I loved NJM when I had it but they raised my rate each year I was with them despite me having made no claims or getting any tickets while with them. Also have a decent number of coworkers who claim that NJM dropped them almost immediately upon making a claim.

Food for thought. The dividend check is nice and so is the price of insurance, but just be careful to double check the price when you renew and don't be surprised if you get dropped for making a claim.