New Jersey Auto Insurance Discounts
Home and Auto Bundle
If two or more vehicles are insured on the same policy, a multi-car discount is applied to each one.
Good Student Discount
At NJM, we're committed to education both on and off the road. If you're a high school or college student who's made honor roll or Dean's List and has at least a B average or 3.0 GPA, you may qualify for a discount.
Anti-Theft Device Discount
You may be eligible for a discount on your policy for each auto equipped with an anti-theft or vehicle recovery device.
Driver Training Discount
Available to drivers under 21 years of age who successfully complete 30 hours of classroom instruction and six hours behind-the-wheel training, or three hours behind-the-wheel training and 12 hours in an approved driving simulator.
Documentation is required for the discount to be applied. If classroom and behind-the-wheel were given by two separate training facilities, two documents will be required.
A 5% discount applies, for up to three years, to liability, PIP and collision premiums if you have taken a course approved by the New Jersey Motor Vehicle Commission (MVC).
- Requires a motor vehicle record check for the driver
- Applicable for principal and occasional operators
- Only one defensive driving discount applies per vehicle
- Adverse activity occurring after the completion of the defensive driving course can cause the elimination of the discount
- Course can be retaken every three years
- Courses completed prior to obtaining permit or license are eligible for application once permit/license is acquired
- MVC-approved online courses are eligible