How to Pay Your NJM Insurance Bill Online – A Step-by-Step Guide

Paying your insurance bill on time is important to keep your policy active and avoid any lapses in coverage. NJM makes it easy to pay your bill online through their website or mobile app. In this article, I’ll walk you through the step-by-step process to pay your NJM insurance bill online.

Overview of Paying Your NJM Insurance Bill Online

NJM offers several options to pay your insurance bill conveniently online:

• Pay through your online account – You can make one-time payments or set up recurring automatic payments.

• One-time payment without an account – Guest checkout for quick one-time payments.

• Use your bank’s online bill pay – Set up NJM as a payee and make payments through your bank.

• Pay by phone – Use NJM’s automated phone system for one-time payments

No matter which option you choose, you’ll need your NJM policy number to make a payment. Paying online is fast, secure, and lets you avoid mailing in checks or visiting an agent.

Step 1: Log In to Your NJM Account

If you already have an NJM online account, you can log in to make a payment. If you don’t have an account, you can create one in just a few minutes.

To log in:

1. Go to njm.com/insurance/make-a-payment.

2. Click “Personal Login” if you have a personal/auto policy or “Business Login” for a business policy.

3. Enter your username and password and click Log In.

Once you’re logged in, you’ll be taken right to the payment page.

Step 2: Select Your Payment Method

On the payment page, you’ll see your available payment methods:

• Credit/debit card – Visa, MasterCard, American Express, Discover

• Checking account

• Savings account

Select your preferred payment method. If you need to add a new card or bank account, click “Manage Payment Accounts” and follow the prompts.

Step 3: Enter Your Payment Details

After selecting your payment method, enter the following:

• Policy number – Find this on your bill or declaration page.

• Amount – Enter the full or partial payment amount.

• Payment date – Choose the date you want the payment processed.

• Frequency – This defaults to one-time payment. You can set up recurring payments here.

• Email address – Enter your email to receive payment confirmations.

Review all details carefully before submitting the payment.

Step 4: Submit and Confirm

Once you submit the payment, you’ll get a real-time confirmation onscreen. NJM also emails a detailed receipt. Log in anytime to view your payment history.

Payments made before 9 PM ET on business days process same day. Weekend/holiday payments process the next business day.

One-time payments post instantly to your account. Recurring payments take 1-2 billing cycles to take effect.

Tips for Managing Your NJM Account

Here are some tips for getting the most out of your NJM online account:

• Go paperless – Reduce clutter and access your bills instantly by enrolling in paperless billing.

• Set payment reminders – Use the mobile app to get notifications when your bill is ready and when a payment is due.

• Store payment methods – Safely store bank accounts and credit/debit cards for faster checkout.

• Autopay – Set up recurring payments so your bill gets paid automatically each month.

• View statements – Access 2 years of past statements and tax documents when you need them.

• Update details – Keep your contact information, vehicles, drivers etc up-to-date.

• Communication preferences – Opt out of mail, email or calls and control how NJM contacts you.

• Policy documents – View, download and print your policy declarations, ID cards, tax forms and more.

• Claims – Start a claim, track status and manage claim details.

Pay Without Creating an Account

If you just need to make a quick one-time payment, you can do so without logging in or setting up an account.

On the payment page, click “One-Time Payment”. You’ll be asked for:

• Policy number
• Billing zip code
• Payment amount
• Payment method

Guest checkout is useful when:

• You just switched to NJM and don’t have an account yet.

• You want someone else (spouse, parents) to pay your bill.

• You just need to make a single payment quickly.

The downside is you won’t be able to store payment methods or see payment history.

Pay by Phone

If you prefer to pay your bill over the phone, NJM makes it quick and hassle-free.

Simply call 1-800-232-6600 and follow the prompts to make a payment using their automated system. You’ll enter your policy number, payment amount, and billing details.

NJM accepts payments from checking accounts, savings accounts, Visa, MasterCard, American Express, and Discover cards.

Phone payments process same day if made before 9 pm on business days. The funds will immediately be deducted from your account.

Use Your Bank’s Online Bill Pay

Many banks let you pay bills online through their website or mobile app. You can set up NJM as a payee and schedule one-time or recurring payments.

To get started, you’ll need to provide your bank with:

• Payee: NJM Insurance Group

• NJM’s address: 301 Sullivan Way, West Trenton, NJ 08628

• Your NJM policy number

Confirm with your bank if they charge any fees for bill pay. Processing times vary – some banks issue paper checks while others do electronic transfers.

Check your NJM account to make sure payments went through. You may need to update the payment amounts if your premium changes.

Avoid Late Fees and Lapse in Coverage

Paying on time prevents late fees, cancellations, and lapses in coverage:

• NJM bills are due by the due date shown on your statement, typically the 1st of each month.

• A one-time $20 late fee applies if unpaid by the due date.

• If your payment is more than 10 days past due, NJM sends a cancellation notice giving 10 days to pay the balance.

• If unpaid within those 10 days, your policy is cancelled retroactive to the original due date.

Avoid headaches by paying on time! Sign up for autopay or account notifications so you never miss a payment. Contact your agent or NJM if you need to make alternate payment arrangements.

Get Support From NJM

If you have any questions or need assistance with paying your bill online, NJM’s customer service is here to help:

• Call 1-800-232-6600. Wait times are shorter on weekdays.

• Email NJM through your account or at [email protected]. Expect 1-2 business day response.

• Live chat through your account or NJM website during business hours.

• Visit an NJM agent in person – find one near you on their website.

Some common questions are:

• How do I change the billing/mailing address?

• What are my available payment methods?

• How can I get billing notifications?

• What do I do if my payment won’t go through?

• Can I change my auto-pay date?

• I’m having login issues – how do I reset my password?

The NJM support team is knowledgeable and happy to guide you through any payment issues.