Interesting_Tower485 t1_jeas5aq wrote on March 30, 2023 at 5:37 PM

Reply to comment by GhostRising_ in NJM car insurance worth the switch by Cashneto

What's the result of using your credit history? Higher premium amount, or..?

GhostRising_ t1_jeasi8d wrote on March 30, 2023 at 5:39 PM

Apparently so. When you renew they send you a report from some 3rd party company who rates the customers. They list the “issues” which in turn have an affect on your premium. Like “too many accounts open” etc. We haven’t missed a payment on ANYTHING (in fact we over pay if it’s a balance) in 2 decades.

onlyme1984 t1_jeatdlr wrote on March 30, 2023 at 5:45 PM

Fucking Lexus Nexus report 😡

GhostRising_ t1_jeautpi wrote on March 30, 2023 at 5:54 PM

Yep

Interesting_Tower485 t1_jeat5v5 wrote on March 30, 2023 at 5:44 PM

have you had any claims with them, how did they go? I am trying to decide between NJM (where I currently have 1 car) and State Farm, both rates similar in total. NJM generally gets high scores for client satisfaction which includes claims. SF gets dinged a little on claims satisfaction and timeliness. That said, SF reduces their auto rate over 3 years without accidents. Current is selective which has done fine but seems to be much more expensive (though an agent, vs. SF and NJM which are direct). These days, I don't feel the agency / agent does much anymore or really helps, even when I've had claims.