New Jersey Skylands Auto Insurance Review for 2021

New Jersey Skylands is a full-service property-casualty insurance association servicing drivers and property owners in the state of New Jersey exclusively. A 25-year-old female driver can find rates with New Jersey Skylands as low as $66 a month. A well-reviewed company, one thing that really sets them apart is everyone who gets a policy through them also becomes a shareholder.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: May 25, 2021

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Can't-Miss Facts

  • NJS has an A+ from the BBB
  • NJS is not rated by A.M. Best
  • NJS has a better than average rating from NAIC

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 a wide range of special benefits, convenient office hours, and many more great features that most insured drivers may not have access to with other companies.

In addition to automotive insurance, NJS has other lines of business and offers its customers insurance products for protecting their home, watercraft(s), jewelry, artwork, and more. You can also read our article Homeowners Insurance in New Jersey to learn more.

New Jersey Skylands parent company is New Jersey Skylands Management, LLC, an indirectly and wholly-owned subsidiary of National General Holdings Corp. They exclusively serve your address if you live in New Jersey.

Before you buy New Jersey Skylands auto insurance, it pays to shop around.

Use our free and helpful tool above by typing in your ZIP code to find reasonable rates from companies like New Jersey Skylands.

How are the New Jersey Skylands insurance reviews?

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 Better Business Bureau.

What is the New Jersey Skylands insurance A.M. Best rating? Strangely, they don’t have a rating from A.M. Best, which is one of the most popular and reliable financial strength rating agencies in the country.

New Jersey Skylands Ratings
Ratings AgencyRating
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)
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They do, however, have a favorable rating from a little-known rating agency called Demotech, Inc.

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Does New Jersey Skylands Insurance offer auto 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 businesses 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 that also offers a credit monitoring service might be an attractive deal.

What options does New Jersey Skylands auto insurance offer?

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:

How do New Jersey Skylands auto insurance quotes compare?

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 of what you might expect to be charged if you request a quote from NJS:

New Jersey Skylands Sample Monthly Auto Insurance QuotesLegend: NJ Skylands Married HomeownersYoung Female Driver < 25Young Male Driver < 25Single Renter 102030405060708090100110$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.

The data above seems to indicate that you may be able to find affordable New Jersey Skylands auto insurance rates that fit your budget.

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What are the pros and cons of theNew Jersey Skylands auto insurance company?

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.

New Jersey Skylands Auto Insurance Pros and Cons
ProsCons
Cheapest sample auto insurance premiums in New JerseyPolicies limited to drivers in New Jersey
Diverse offering of policy benefits for policyholdersSome customer service complaints regarding getting an agent on the phone
Local independent agents in NJ
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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 A.M. 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 New Jersey Skylands’s auto insurance quotes to several other competing providers near you. This will help make sure you get the best deal.

Need to know how to pay a bill to New Jersey Skylands? You can go online to customer.njsi.com or call 866-279-7688. Do you need to know how to report a claim with New Jersey Skylands? You can contact them with questions and submit a claim 24-hours a day when you call New Jersey Skylands insurance phone number at 877-365-8693 or 888-855-4622.

Type your ZIP code into our free tool below to find rates from companies like NJS or perhaps NJS itself.

New Jersey Skylands Insurance Headquarters
550 Essjay Road
Williamsville, NY 14221
Phone: 866-279-7688
NJ Skylands insurance code: 046
 
 

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