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
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.
