NJM is the best insurance company ever.  They do make it difficult to qualify as you have to have a good drivinig record.  You usually have to qualify through your job or some other inistitution.  Once you have it you never want to go elsewhere.  The premiums are very reasonable and fair.  In fact, they are required to payout the profits at the end of the year through an annual dividend..this is between 10-20 percent of my cost for automobile insurance.  Unfortunately, I have had to use them for a couple of accidents (none of which were my fault) and they have provided stellar service. ...