More Ways You Can Save

Pennsylvania Auto Insurance Discounts

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 required: log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.


Electronic Payment

If you are enrolled in our automatic payment plan, you’ll receive a discount. Go to "Log In" to enroll.


Full Coverage

If you carry both collision and other than collision (comprehensive), a discount will automatically be applied to your policy.


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.

Documentation required: log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don't have an account yet? Register here.


Home and Auto Bundle

Add NJM Auto Insurance to your NJM Homeowners, Condo, or Renters Insurance and save. Get started with an online auto quote. online auto quote.


Mature Driver Improvement

If all named insureds take an approved course, a discount applies for up to three years, to liability, first party benefits, uninsured motorists, underinsured motorists, comprehensive and collision premiums.

Documentation required: log in to your online account to upload documents for review, or you can email them to AutoDocuments@njm.com.

Don’t have an account yet? Register here.

Qualifications: (Discount is applied at renewal only)

  • All named insureds (those specifically named on the policy heading) must have voluntarily completed a motor vehicle driver improvement course which meets criteria established by the Pennsylvania Department of Transportation within the past three years and be 55 years or older

  • The named insureds must take an approved course every three years to continue to be eligible for the discount

  • The discount will be eliminated if the individual is involved in a chargeable accident, convicted of a moving violation, or has participated in Accelerated Rehabilitative Disposition (ARD) for driving under the influence of alcohol or a controlled substance

Multi-Vehicle Discount

If two or more vehicles are insured on the same policy, a multi-car discount is applied to each one.


New Car

If your car is two model years old or newer, we'll apply a discount.


Paid in Full

Pay your policy premium in full, rather than in monthly installments, and you'll receive a discount.


Vehicle Safety Equipment Discount

You may be eligible for a discount on your policy for each auto equipped with an anti-theft or vehicle recovery device; anti-lock brakes; or passive restraints.