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Please be advised that availability of discounts and credits may vary based on program, underwriting guidelines and other eligibility requirements. Not all credits and discounts will apply. If you have specific questions about eligibility requirements we encourage you to contact your independent agent.

Discounts


Seeing how much you could save is easy. Just check the discount boxes below that apply to you and find out how much you could save on each one! Click on the tabs below to see the other available discounts.

The applicable Driver Training Discount applies to each Youthful Operator under 21 years of age where "Satisfactory Evidence" is presented that such operator has successfully completed a driver education course. Consult with your agent for more information.

To see how the Driver Training discount may apply, select one of the following 3 options below:


This is for all the parents with college students out there! You may be eligible for a discount of up to 25% on certain coverages , if you have a son or daughter who is a student and:

  • is unmarried and age 24 or less;
  • is assigned to the auto as occasional operator;
  • is residing at an education institution over 100 road miles from the auto's place of garaging;
  • The auto is not available for regular use by drivers age 24 or less.
Call us or ask your agent about this discount!

You will save 10% on some coverages for completing an approved Accident Prevention Course. Did you know you can now complete the course online while working at your own pace? Sign up for the Accident Prevention Course here.

If your car has factory installed motorized safety belts and/or one or more airbags, you could save up to 30% on the Medical Payment premium and Personal Injury Protection (PIP) premium portion of your policy.

Is your car equipped with either a two or four-wheel anti-lock braking system? Great! You will save 7% on portions of your premium!

Is your car equipped with daytime running lamps? If so, you qualify for a 3% discount on portions of your premium!

If your car has a built-in anti-theft system, you could be eligible for a discount of up to 25% on the comprehensive portion of your policy!.

System Discount
Alarm only 5.0%
Active Disabling Device
(Systems that you need to turn on)
5.0%
Passive Disabling Device
(System that automatically activates when you remove the key)
15.0%
Vehicle Recovery Systems/Electronic Homing Device
(Private Security Company can determine the location of your vehicle at any time)
15.0%
Window Etching
(Your Vehicle Identification Number is engraved into its windows)
5.0%

The Coupler discount is applicable to Auto policies if NYCM Insurance also insures the Homeowner and/or Umbrella policy for the named insureds.

Policy Discount
Tenant Policy 7.5%
Homeowner Policy 15.0%
Tenant with Umbrella Policy 10.0%
Homeowner with Umbrella Policy 20.0%

A 2.5% Homeownership credit is applicable for named insureds who are the deed holder/owner of a house, mobile home, condominium or co-op.

A New Car discount will be applied to Collision coverage for vehicles of the current or upcoming model year for new and renewal business. This discount will only apply if the vehicle has not been previously titled.

Vehicle Age Discount
Year 1 12.0%
Year 2 8.0%
Year 3 4.0%

A 10% Paid In Full Discount is given to policyholders who pay their 12 month premium in full on the policy effective date.

A 5% Senior Discount will be given to policyholders over the age of 65 if they have been insured with NYCM Insurance for a minimum of 5 years and qualify for the "Claim Free Discount." If the "Claim Free Discount" is removed at a later date, the Senior Discount will still remain in effect.

The applicable 10% Good Student Discount applies, provided:

  • The owner or operator is:
    • Between 16 and 24 years of age, and
    • A full-time high school, college or university student.
  • A copy of the most recent academic year-end report card or transcript is presented to the Company on each anniversary date of the policy indicating that the student has met one of the following requirements during the immediately preceding school semester:
    • The student maintains a "B" average or its equivalent. If the letter grading system cannot be averaged, then no grade can be below "B."
    • When in a school maintaining a numerical grade, the student must have at least a 3 in a 4, 3, 2, 1 point system or its equivalent.
  • The Good Student discount will continue to be applicable for those insureds under the age of 25 who have completed their undergraduate work, provided the driver has:
    • Successfully graduated from a four year college, and
    • Met the qualification requirements as listed above based on their cumulative or most recent semester's academic record.

A change in the scholastic standing of the student cannot be effected between anniversary dates of the policy.

Listed below are the required coverages to qualify for the Injury Protection Discount Program. To be eligible for the discount, insured must meet the requirements of each grouping.

Coverage Standard Standard Plus Family Family Plus
Liability Limits 50/100 Split or 100 CSL 100/300 Split or 300CSL 100/300 Split or 300CSL 250/500 Split of 500CSL
SUM 50/100 Split or 100 CSL 100/300 Split or 300CSL 100/300 Split or 300CSL 250/500 Split of 500CSL
Medical Payments $1,000 $5,000 $7,500 $10,000
Additional PIP $25,000 $50,000 $100,000 $100,000
OBEL $25,000 $25,000 $25,000 $25,000
Discount 3.0% 5.0% 7.0% 10.0%

Note: Prior loss history is obtained through the use of an outside vendor.

Discount/Program Time Frame of Eligibility Qualifications Discount and/or Benefits
Claim Free Discount* All Policies: May be given at policy inception. All Policies: Claims Free for five consecutive years. 2.5% Discount on Bodily Injury, Property Damage, Property Injury Protection, Comprehensive and Collision Coverages.
At Fault Accident Forgiveness * At Fault Accident Forgiveness is only applicable to a payable At Fault Accident Coupler (Combination) Policies: Three consecutive years with New York Central Mutual.

Non-Coupler (Combination) Policies: Five consecutive years with New York Central Mutual.
Coupler (Combination) Policies: Claim free for a consecutive five year period.

Non-Coupler (Combination) Policies: Claim free for seven consecutive years. (Two years prior and five years with New York Central Mutual.)
The first surcharge or occurrence points(s) related to an At Fault Accident will be forgiven.
At Fault Accident Forgiveness Plus* At Fault Accident Forgiveness Plus is only applicable to a payable At Fault Accident. Coupler (Combination) Policies: Five consecutive years with New York Central Mutual.

Non-Coupler (Combination) Policies: Seven consecutive years with New York Central Mutual.
Coupler (Combination) Policies: Claim free for seven consecutive years.

Non-Coupler (Combination) Policies: Claim free for nine consecutive years.
The policyholder will receive all the benefits associated with the At Fault Accident Forgiveness Program, Additionally, the insured will receive a 50% discount (up to $500 savings) on an applicable collision deductible.**

* An insured can maintain their At Fault Accident Forgiveness status even after losing the Claim Free Discount. Claim Free Discount will not be removed from a policy as a result of a single accident with an aggregate damage to property of $2,000 or less.

** For At Fault Accident Forgiveness Plus, applicable collision deductible is any deductible equal to or greater than $200. State law requires that the resulting collision deductible amount will never decrease to an amount below $100. There is no cash value earned.

Claim Free, At Fault Accident Forgiveness and At Fault Accident Forgiveness Plus programs are all subject to terms and conditions. (Please see your policy for details or your agent with questions). Your eligibility for these programs will be directly dependent upon you remaining accident free. Additionally, your final eligibility for these programs is subject to the final determination of the underwriting qualifications.

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How Much Can You Save on Auto Insurance?

  

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How Much Can You Save on Auto Insurance?

  

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How Much Can You Save on Auto Insurance?

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A 25% discount applies when you insure both your home (including tenant policies) and auto with us! (New York Central Mutual or A. Central Insurance)

An Additional 10% discount is available if your Umbrella policy is written with us too!

That would be a total discount savings of 35%!

Depending on the age of your home, you could save up to 42%! (Ranges from 8% to 42%)

Did you purchase your home less than 12 months ago? If the answer is yes, you may be eligible for a discount of up to 7.5%! Even better, you do NOT have to be a first time home buyer to qualify!

You could save up to 7.5% if your dwelling is 20 years old or older and you have made renovations to either or both of the following:
  • Roof was replaced within the last 10 years - 5%
  • Primary heating source was replaced within the last 10 years - 2.5%
  • Both the roof and primary heating source were replaced within the last 10 years - 7.5%

These discounts apply for 20 years from the installation date!

Once you've been insured with NYCM Insurance for five consecutive years, you may qualify for a discount of up to 2.5% if you are claim free.

If you and all named insureds meet these requirements, you may qualify for an additional 5% discount:

  • Are 55 years or older,
  • One of you is retired,
  • Reside in the residence 10 months of the year, and
  • Dwelling is insured to 100% replacement value.

If you live in a gated community, you may qualify for an additional 5% discount.

If you have approved and properly maintained burglar alarms, dead bolts, fire alarms, water alert systems, portable or automatic generators, automatic sprinklers or fire extinguishers in your home, you may be eligible to receive up to one credit from each category below, for a maximum discount of 16%. Click the icons below to see the ways you could SAVE!

Company Monitored Fire Alarm or Fire Department Reporting Alarm - 8%
  • A Company Monitored Fire Alarm utilizes an off premises Private Security Company which monitors your home for fire and smoke. As soon as the fire or smoke detector signals an alarm, the signal is transmitted to the Private Security Company and your local fire department is notified.
  • A Fire Department Reporting Fire Alarm is a privately owned fire and/or smoke detector that will automatically dial local emergency services when a sensor signals the alarm

Smoke Detectors (Local Fire Alarm) - 2%
Automatic Sprinklers in all areas - 13%
Automatic Sprinklers in all areas (except attic, bathroom, closet and attached structure areas that are protected by a fire detector) - 8%
Fire Extinguisher - 2%
Company Monitored Burglar Alarm (Central Station) or
Police Station Reporting Burglar Alarm - 8%
  • A Company Monitored Burglar Alarm utilizes an off premises Private Security Company which monitors your home through strategically placed sensors and automatically contacts the security company, who in turn contacts your local police department, to report a breach of your home if the sensors are triggered.
  • A Police Station Reporting Burglar Alarm is a privately owned personal home alarm located on premises that detects activity or a breach of your home using sensors. Once triggered the alarm automatically dials your local police department to report the breach.

On Premises Burglar Alarm (Local Burglar alarm) - 2%
  • A personal home alarm system located on premises that detects activity or a breach of your home using sensors. The alarm activates lights and/or sirens outside the home and does not automatically contact the police.

Deadbolt Locks - 2%
Company Monitored Temperature Alert (Central Station) or
Temperature Alert (Dial Out) - 5%

  • A Company Monitored Temperature Alert (Central Station) utilizes an off premises Private Security Company to monitor the temperature of your home. If the temperature becomes too high or too low, the Private Security Company calls and warns you of the potential temperature hazard to your home.
  • Temperature Alert (Dial Out) is a privately owned on premises monitoring system that utilizes sensors to detect temperatures that become too high or too low. The system is programmed to call a predetermined number and automatically dials out when the sensor is triggered.
Company Monitored Water Alert (Central Station) or
Water Alert Alarm (Dial Out) - 5%
  • A Company Monitored Water Alert (Central Station) alarm utilizes an off premises Private Security Company to monitor your home with sensors to help protect against water damage. When a sensor signals an alarm, the Private Security Company will automatically notify you by phone to warn you of the situation.
  • A Water Alert (Dial Out) alarm is a privately owned on premises monitoring system that uses sensors to help recognize and protect against water damage in your home. Once a signal is sent to the alarm, a predetermined number is automatically dialed to warn of the situation.
While Water Alert Alarms are all slightly different, some can actually monitor your home for humidity changes and water damage to help prevent mold and mildew as well.
Automatic Generator (Hard-wired directly into your home's electrical system) - 5%
Portable Generator - 1%
Remote Monitoring System - 6%
  • This type of system monitors your home to detect power failures, intrusions, temperature extremes, water incursion, sounds inside your home such as smoke and burglar alarms, and more. An automatic dialer will contact you by phone if unsafe conditions occur in any of the areas being monitored.

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If you are 55 years old or older, you may be eligible for a 10% discount.

Is your mobile home three years of age or newer? If so, you may be eligible for a 10% additional discount.

A 5% discount applies when you insure both your mobile home and auto with us!

If you have any one or a combination of the following, you could save even more on your premium:

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How Much Can You Save on Mobile Home Insurance?

  

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How Much Can You Save on Mobile Home Insurance?

  

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