Auto Discounts
This Discount the customer must go online and give consent
What is paperless/go green
Located on the vehicles page, representatives are not to discuss this as a way to lower premium and to only verify for accuracy
What is mileage?
This is the third part company used to obtain insurance score information
What is Lexus Nexis?
These representatives are the newest to our team
Who are Michele and Kelly?
Customers are eligible for this discount if the PNI or SNI are 65 or older
What is the senior discount?
These discounts are offered for payment methods
What are paid in full and auto pay
This is the biggest reason for current rate revision.
What is inflation
This rating factor has a favorable impact on a quote when the customer is choosing an further effective date as opposed to as soon as possible
What is early shopper factor?
This team member has been with NJM the longest.
Who is Denise?
This discount cannot be applied if the policy is escrowed in the state of New Jersey
What is paid in full?
This discount can only be applied at renewal.
What is defensive driving
This factor is not to be mentioned as a way to lower premium, but if it is a factor on why premium is high.
This is the third party used to get information on a vehicles history
What is Red Mountain?
This team member graduated from Rutgers this past Spring
Who is Justin?
This provides a 25% off of HO3 AND HO5 policies and 15% off of HO4 and HO6 policies.
What is ACD?
The start your NJM discount is removed at renewal of second term and replaced with this.
What is a regular dividend
These can be rated for up to six years
What are claims
This factor applies to PA only
What is the work location factor?
This team member is left handed
Who is Candice?
This discount is not available in Pennsylvania
What is storm shutters or impact resistant glass?
This app replace NJM Safedrive
What is NJM Safedrive GO
This factor is not to be discussed as a factor to renewal increase.
What is lapse factor
These drivers are rated heavily on the average driver factor
What are youthful drivers?
This is the month of Glenesha's birthday
What is October?
There are many discounts available on a home policy but not a dwelling. Name 2.
What are ACD, burglar alarm, first time homeowner, non smoker?