New Jersey Manufacturers Auto Insurance Review

New Jersey Manufacturers is an insurance carrier based in West Trenton, NJ. The company was founded in 1913 and offers auto insurance in 2 states in the USA.

If you're considering whether New Jersey Manufacturers Auto Insurance is a good option for you, read on.

Pros	Cons
24/7 Phone availability Digital claims reporting Emergency roadside service Rental car coverage Generous with policy discounts	No free policy cancellation No locally available agents No accident forgiveness No ridesharing coverage No transport trailer coverage No travel expenses or trip interruption coverage

What types of auto insurance coverage does New Jersey Manufacturers Auto Insurance offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. New Jersey Manufacturers Auto Insurance offers the following types of auto insurance coverage:

• Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
• Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
• Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
• Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
• Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.
• Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

New Jersey Manufacturers Auto Insurance customers can also add the following riders or endorsements to their policies:

• Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does New Jersey Manufacturers Auto Insurance have roadside assistance?

Emergency Roadside Service available. Yes, New Jersey Manufacturers offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does New Jersey Manufacturers Auto Insurance offer ridesharing insurance?

No, New Jersey Manufacturers Auto Insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does New Jersey Manufacturers Auto Insurance offer?

New Jersey Manufacturers Auto Insurance offers the following benefits to its customers:

• 24/7 Phone Availability: Customer service is staffed around the clock.
• Digital Claims Reporting: Never fax or mail a document again.
• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What discounts does New Jersey Manufacturers Auto Insurance offer?

When you ask for a quote with New Jersey Manufacturers Auto Insurance, make sure you ask for all the discounts you qualify for. These are the discounts currently available that are specific to auto insurance.

• Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's a discount people often forget to ask for.
• Internal Safety Features: New Jersey Manufacturers Auto Insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger a discount.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with New Jersey Manufacturers Auto Insurance.

How does New Jersey Manufacturers calculate rates?

Auto insurance companies guard their risk-assessment algorithms as a trade secret, and New Jersey Manufacturers is no exception. However, you can be confident that New Jersey Manufacturers Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does New Jersey Manufacturers Auto Insurance use your credit score?

It is safe to assume that, when legal, auto insurance companies will use your credit score as a rating factor. There are two exceptions.

1. If you live in California, Hawaii, or Massachusetts, auto insurance companies are not allowed to use your credit report as a rating factor.
2. There are also a handful of auto insurance companies that base their rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a New Jersey Manufacturers Auto Insurance quote

• Visit the New Jersey Manufacturers website.
• Fill in the insurance quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
• Check the information is accurate and submit your application.