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New Jersey Skylands: Property and Casualty Insurance for New Jersey Residents

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New Jersey Skylands is a full-service property-casualty insurance association servicing drivers and property owners in the state of New Jersey exclusively. Customers who purchase an insurance policy through New Jersey Skylands (NJS) also become stakeholders in the company. This elite status entitles NJS customers to special benefits and features that most insured drivers may not have access to with other companies. In addition to automotive insurance, NJS offers its customers insurance products for protecting their home, watercraft(s), jewelry, artwork, and more.

New Jersey Skylands Insurance Review

It appears as though NJS has some pretty strong ratings as far as financial strength and customer service are concerned. They have a fairly low ratio of complaints in general, and they’ve earned an A+ from the BBB. Strangely, they don’t have a rating from AM Best, which is one of the most popular and reliable financial strength ratings agencies in the country. They do, however, have a favorable rating from a little-known ratings agency called Demotech, Inc.

Ratings Agency Rating
AM Best Financial Rating (2016) Not Rated
Better Business Bureau (2016) A+
Complaint Ratio per Vehicle (NJ, 2012) 0 / 28,806
NAIC Complaint Index (2012) 0.28 (Better than Average)
Demotech, Inc. (2016) A (Exceptional)

New Jersey Skylands Insurance Discounts

If NJS does offer their customers any discounts with their automotive coverage, they don’t exactly advertise it publicly. Many insurance companies do offer discounts in order to encourage new business or to discourage old business from leaving for another provider. If NJS does not offer discounts, it may be because they feel their rates are competitive enough to not require discounts.

But one thing that NJS offers its clients is additional member benefit services. In particular, they are known for their credit monitoring services. In this day and age, identity theft is a cause for concern for most Americans. If it’s especially worrisome for you, then having an automotive insurance policy which also offers a credit monitoring service might be an attractive deal.

New Jersey Skylands Auto Insurance Options

NJS offers coverage to their customers in two different classifications: basic coverage, and standard coverage. Basic coverage includes everything a driver needs in order to legally operate a motor vehicle within the state of New Jersey:

  • Personal Injury Protection (PIP or “no fault” insurance)
  • Property Damage Liability Coverage

Of course, if you would like more than just the basic coverage required for legal driving, you have the option to purchase more. NJS refers to this extra coverage as “standard” coverage, and the options you can purchase include:

  • Bodily Injury Liability
  • Medical Payments
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist Coverage

Comparing New Jersey Skylands Insurance Quotes

It appears as though New Jersey Skylands does offer some pretty competitive rates, even without explicitly advertising any discounts on their website. Based on the data in the chart below, you can get an idea for what you might expect to be charged if you request a quote from NJS:

New Jersey Skylands Auto Insurance Quote Comparison Legend: NJ Skylands Married Homeowners Young Female Driver < 25 Young Male Driver < 25 Single Renter 10 20 30 40 50 60 70 80 90 100 110 $109 $66 $110 $78

 
Strangely, the monthly premiums for a young female driver under the age of 25 are the lowest estimates quoted above (unless you estimate that the married couple is probably paying around $59-60/mo each for their bundled policy). Because men are often riskier drivers and file claims more frequently, and because young drivers have accidents more frequently and therefore file claims more frequently, it shouldn’t be a huge surprise that their estimated monthly premiums are the highest in the chart.

Pros and Cons of New Jersey Skylands Insurance

Pro Con
Cheapest sample auto insurance premiums in New Jersey Policies limited to drivers in New Jersey
Diverse offering of policy benefits for policyholders Some customer service complaints regarding getting an agent on the phone
Local independent agents in NJ

New Jersey Skylands seems like a pretty decent insurance option for those motorists living in the state of New Jersey. They offer competitive rates, comprehensive policies, and additional member benefits that customers might not find from other insurance providers. However, their customer service record isn’t perfect, and it’s hard to know their true financial strength since they have not requested any ratings from nationally known ratings agencies such as AM Best. Another big disadvantage is that NJS services are only available to New Jersey residents. But if you think they might be the company for you, be sure to compare their quotes to several other competing providers near you. This will help make sure you get the best deal.

Corporate Headquarters
550 Essjay Road
Williamsville, NY 14221
www.njsi.com
Phone: 866-279-7688

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