New Jersey Manufacturers Insurance is an insurance company, although the name suggest something different. This insurance company is quite strange: they pay their insurance agents fixed salaries. This is very unusual for the insurance field, and especially for auto insurance, where employees get paid according to their personal performance, with commissions from the sales they bring in for the company.

New Jersey Manufacturers Insurance is the biggest provider of compensations for workers in New Jersey, and it has been established in 1913 by a factory owner. NJM provides personal auto insurance in New Jersey for almost one million of cars every year. Their auto insurance rates are stable since 1996, which is quite unusual.

If a car owner wishes to buy personal auto insurance from New Jersey Manufacturers insurance, he has to meet several criteria and the auto underwriting rules of NJMI, in order to get accepted. One of the conditions is to be currently employed by the State of New Jersey, or the named insured or resident spouse on a current or previous Personal Auto or Homeowners policy with New Jersey Manufacturers Insurance, or a current or previous driver of a car or motorcycle insured under a New Jersey Manufacturers Insurance Personal Auto policy.