UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating: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.
|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
- 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: