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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 Home, 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.

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Combination Discount (Coupler)

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%! Learn More.
Age of Home Discount

Depending on the age of your home, you could save up to 44.6%!
Home Buyer Discount

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 10%! Even better, you do NOT have to be a first time home buyer to qualify!
Renovation Discount

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!
Claim Free Discount

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.
Retirement Discount

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.
Gated Community Discount

If you live in a gated community, you may qualify for an additional 5% discount.
Alarm and Alarm System Discounts (Protective Devices)

If you have approved and properly maintained burglar alarms, deadbolts, 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 20%. Click the icons below to see the ways you could SAVE!

Fire Alarm

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%

Fire Mitigation

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%

Burglar Alarm

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%

Temperature Alert

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.
Water Alarm

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.
Power Restoration

Automatic Generator (Hard-wired directly into your home's electrical system) - 5%

Portable Generator - 1%

Other Premises Alarm

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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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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MULTI POLICY DISCOUNT

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

Learn more.

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