I've had NJM for almost 20 years, all the way back when they were so restrictive, the company you worked for would give you a pin number in order to even be a part of it and even then you would need a perfect driving record. I hear a few years ago they opened it up completely to anyone in NJ. Been in a few fender benders over the years, never ever had an issue. I've gotten quotes from Geico and others over the years, but the NJM rate I have is so low, other companies can't even come close.