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Pennsylvania Auto Insurance Discounts

Multi-Car Discount

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


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.


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.


Mature Driver Improvement

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

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