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Discounts

The Coupler - "Multi Policy Discount"
Automobile Discounts
Homeowner Discounts
Mobile Home Discounts

To determine if any discounts apply to you, contact your professional New York Central Mutual agent.

The Coupler - "Multi Policy Discount"

Now save 5% on your home and 10% on your auto premiums if you have your home with New York Central and your auto with New York Central or A.Central.

Automobile Discounts

15% on Your Auto Insurance Premium

New York Central Mutual has found that our insureds can save up to 15% by raising Collision and Comprehensive deductibles, and changing their liability from a combined single limit to split limits.

We calculated premiums for our insureds across New York State and found that they could save as much as 15% by:

a) raising deductibles from $200 to $500 on Collision coverage
b) raising deductibles from $100 to $500 on Comprehensive coverage
c) considering split liability limits
d) having a $200 Personal Injury Protection (PIP) deductible

10% Coupler

If you have your homeowner or mobile home policy with New York Central you can save 10% on your auto premium.

Anti-Theft Discount on Comprehensive Coverage

5% Alarm only
5% Active disabling device
15% Passive disabling device
15% Vehicle recovery systems, electronic homing device
5% Window Etching
15% Onstar Recovery System
* Maximum discounts apply

Passive Restraints

A discount on Personal Injury Protection (PIP) and Medical Payments premium for private passenger vehicles equipped with eligible factory installed passive restraints.
20% for driver-side-only airbag
30% discount for passive restraints; driver and passenger side air bags.

Anti-Lock Braking System Discount
7% discount for Bodily Injury and Property Damage liability, or Single Limit liability, Personal Injury Protection (PIP), Medical Payments and Collision coverage for private passenger vehicles equipped with two or four-wheel anti-lock braking system.

Daytime Running Lamps

3% discount on premiums for Bodily Injury and Property Damage liability or Single Limit liability, Personal Injury Protection (PIP), Medical Payments and Collision coverage.

Accident Prevention Course Discount

10% Accident Prevention Course discount on premiums for Single Limit liability or Bodily Injury and Property Damage liability, Personal Injury Protection (PIP) and Collision coverage.

Multi-Car Discount

Available to those who insure two or more cars with New York Central Mutual.

Resident Student Discount

A discount offered to those insureds who have a son or daughter without a car, at a college over 100 miles away.

Homeowner Discounts

Renovator Program - Save 10% if your home:

is over 30 years old
has 100% replacement coverage of $60,000 or more
was renovated in the last 10 years (including heating, plumbing, wiring and roof)

Special Program - Save 20% if your home:

was built 13 to 30 years ago
has 100% replacement coverage of $60,000 or more

Select Program - Discounts up to 35% if your home:

is 12 years old or newer
has 100% replacement coverage of $60,000 or more

Houses

Age	Discount	Age	Discount
0 - 5 yrs	35%	9 yrs	27%
6 yrs	33%	10 yrs	25%
7 yrs	31%	11 yrs	23%
8 yrs	29%	12 yrs	21%

5% Coupler

If you have your auto policy with New York Central or A. Central you can save 5% on your home premium.

Protective Devices

5% Central Station reporting burglar alarm.
5% Central Station reporting fire alarm.
3% A police department reporting burglar alarm.
3% Fire department reporting fire alarm.
2% Local burglar and or smoke/fire alarm.
13% Automatic sprinklers in all rooms including closets, bathrooms, attics, and attached structures.
8% Automatic sprinklers in all rooms except closets, bathrooms, attics, and attached structures.
1% Portable Generator
5% Automatic Hardwired Generator
1% Temperature Alert Dial Out
5% Temperature Alert Central Station
1% Water Alert Dial Out
5% Water Alert Central Station

You can also decrease your premium by raising your deductible.

Maximum amount of credit allowed for Homeowners discounts is 35%.

Mobile Home Discounts

Retired Discount

Individuals 55 years of age or older are eligible for a 10% additional discount.
Minimum coverage of $15,000 is mandatory

New Home Discount

Mobile homes three years of age or newer are eligible for a 10% additional discount
Minimum coverage of $15,000 is mandatory

5% Coupler

If you have your auto policy with New York Central or A. Central you can save 5% on your mobile home premium.

Protective Devices

Central Station Alarms: burglary and/or fire 5%
Fire department and/or police department alarms 3%
Local alarms 2%
Sprinkler systems 3%

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