Insurance Products

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.

NYCM Auto and Mobile Home 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.

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Electronic Funds (EFT) Discount (Auto-Pay Discount)

Up to a 2.5% Electronic Funds (EFT) Discount (Auto-Pay Discount) may be given to customers who have their automobile insurance payment automatically deducted from a designated checking, savings, or credit card account. Deduction will occur when payment is due on the policy.
Driver Training Discount
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:

Student Away at School Discount

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!
Accident Prevention Course Discount / Defensive Driving 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.
Airbag/Automatic Seatbelt Discount (Passive Restraints)

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.
Anti-Lock Braking System Discount

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!
Daytime Running Lamps

Is your car equipped with daytime running lamps? If so, you qualify for a 3% discount on portions of your premium!
Alarm System Discount (Anti-Theft) on Comprehensive Coverage

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%
Coupler (Combination) Discount

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

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

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.
New Car Discount

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%
Paid In Full Discount

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

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.
Good Student Discount

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.
Injury Protection Discount Program
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
Standard50/100 Split or 100 CSL
Standard Plus100/300 Split or 300CSL
Family100/300 Split or 300CSL
Family Plus250/500 Split of 500CSL
SUM
Standard50/100 Split or 100 CSL
Standard Plus100/300 Split or 300CSL
Family100/300 Split or 300CSL
Family Plus250/500 Split of 500CSL
Medical Payments
Standard$1,000
Standard Plus$5,000
Family$7,500
Family Plus$10,000
Additional PIP
Standard$25,000
Standard Plus$50,000
Family$100,000
Family Plus$100,000
OBEL
Standard$25,000
Standard Plus$25,000
Family$25,000
Family Plus$25,000
Discount
Standard3.0%
Standard Plus5.0%
Family7.0%
Family Plus10.0%

Note: Prior loss history is obtained through the use of an outside vendor.
Claim Free, At Fault Accident Forgiveness and At Fault Accident Forgiveness Plus

Discount/Program
Time Frame of Eligibility
Qualifications
Discount and/or Benefits
Claim Free Discount*
Time Frame of EligibilityAll Policies: May be given at policy inception.
QualificationsAll Policies: Claims Free for five consecutive years.
Discount and/or Benefits2.5% 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.)
Time Frame of EligibilityCoupler (Combination) Policies: Three consecutive years with New York Central Mutual.

Non-Coupler (Combination) Policies: Five consecutive years with New York Central Mutual.

QualificationsCoupler (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.)

Discount and/or BenefitsThe 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.)
Time Frame of EligibilityCoupler (Combination) Policies: Five consecutive years with New York Central Mutual.

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

QualificationsCoupler (Combination) Policies: Claim free for seven consecutive years.

Non-Coupler (Combination) Policies: Claim free for nine consecutive years.

Discount and/or BenefitsThe 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.

How Much Can You Save on Auto Insurance?

  

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How Much Can You Save on Auto Insurance?

  

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HOME DISCOUNT

Homeowner Discounts, How Much Would You Save?

Learn more.
Retired Discount

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

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

A 5% discount applies when you insure both your mobile home and auto with us! Learn More.
Alarm and Alarm System Discounts (Protective Devices)

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

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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How Much Can You Save on Mobile Home Insurance?

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MULTI POLICY DISCOUNT

Combine your auto and home policies to save both money and time!

Learn more.