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What discounts are available in the state of New Jersey?

The following discounts are available in the state of New Jersey:

  • Multi Car Discount

  • Homeowner Discount

  • Defensive Driver Discount for all ages valid for 36 months after successfully completing a course recognized by the state's Department of Motor Vehicles or Licensing

  • Early Shopper Discount

  • Bill Plan Discount

  • Passive Restraint Systems: Air Bags; Automatic Seat Belts

  • Anti-Lock Braking System Discount for those autos equipped with a factory installed four wheel anti-lock braking system.

  • Anti-Theft Device Discount



Category I

Vehicles equipped with a warning label and:

  • ignition or starter cut off switch or,

  • non-passive, externally operated alarm, or

  • steering wheel collar

Category II

Vehicles equipped with a warning label and:

  • non-passive fuel cut off switch or key not visible or,

  • non-passive steering wheel lock with a steel collar permanently installed

Vehicles equipped with no warning label and:

  • armored cable hood lock and passive ignition cut off switch or,

  • emergency hand brake with digital combination

Category III

Vehicles equipped with a warning label and:

  • passive alarm system or,

  • passive fuel cut off or,

  • armored ignition cut off switch or,

  • passive multi-component cut off switch or,

  • passive time delay ignition system or,

  • armored cable or electronically operated hood lock and ignition cut off switch system or,

  • passive delayed ignition cut off system or,

  • passive ignition lock protective steel cap or,

  • hydraulic brake lock or,

  • window etching vehicle identification system that allows the vehicle to be traceable to the owner.

Category IV

Vehicles equipped with a warning label and a system designed to transmit a pulse or signal by which the location of the vehicle may be traced. i.e. Lo jack system

Category III and IV

When a vehicle has category III and IV discounts.

Please note that discounts generally apply to specific coverages and/or specific vehicles, not to the total policy premium. For example, a teenager who has completed a state certified driver's training course would receive the discount that applies to his/her portion of the premium.

The discounts presented above are for informational purposes only. Additional eligibility requirements must be met to qualify for these discounts. To confirm the discounts applicable to your policy, please refer to your policy declaration page. To determine if you qualify for additional discounts presented above, or if you have additional questions please contact one of our friendly customer service representatives.


General Information
Discounts and Credits

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