Auto Discounts
NYCM Insurance offers a variety of auto insurance discounts to fit your needs.
Discounts designed with you in mind
We are committed to providing robust, competitively priced auto insurance options customers can trust. You could save money for safe driving, your vehicle's safety features, enrolling in auto-pay, and more.
Genuine Care Discounts
More ways to save on your current policies.
The Multi-Policy Discount is applicable to Auto policies if NYCM Insurance also holds your homeowner and/or umbrella policy.
If you own a house, mobile home, condominium, or co-op, whether NYCM Insurance holds your insurance policy for the property or not, you are eligible for a discount on your auto insurance premium.
A discount will be applied to the policy of those over the age of 65 if they have been insured with NYCM Insurance and meet the qualifications of the Claim Free Discount.
Driver's Education Discounts
A knowledgeable driver is a safe driver.
Completing an approved accident prevention course and providing proof of completion will allow for a discount on your policy.
Policies insuring drivers under the age of 21 may be eligible for a discount after satisfactory evidence is provided that the driver has completed a driver education course. For more information about courses and qualifications, contact your agent.
Vehicle owners or operators between 16 and 24 years old who are full-time high school, college, or university students who hold a grade point average of a B or its equivalent, may qualify for discounts. Contact your agent for additional details about this discount program.
Parents who include coverage for their college students that are 24 years or younger may be eligible for a discount to their premium while their child is away at school without a vehicle, as long as they reside at least 100 miles away from where the car is kept. Contact your agent for more details about this discount and eligibility.
Driving History Discounts
Being claim free can pay off.
A Commercial Driver License (CDL) discount is available to rated drivers that have a current/active CDL license designation. Drivers with a CDL license must also be claim free & violation free for the previous five years. A motor vehicle report will be used to determine a rated driver's eligibility for this discount.
At Fault Accident Forgiveness may apply for customers who meet the below qualifications. This addition to your policy can provide forgiveness for your first accident, ensuring your premium doesn’t increase because of it.
At Fault Accident Forgiveness Plus is an expansion on all of the benefits for those associated with the At Fault Accident Forgiveness Program, plus an additional discount on deductibles for those that qualify.
Insured parties who have not submitted a claim in the past five consecutive years, regardless of your insurance carrier(s) during that time period, are eligible for a discount.
Vehicle Equipment Discounts
Additional savings for your car's safety features.
Discount opportunity for customers who have vehicles with Advanced Safety Features like forward collision warning, lane departure, back-up camera, etc.
If your car has factory installed motorized safety belts and/or one or more airbags, you could qualify for a Passive Restraint discount on your premium.
If your car has a built-in anti-theft system, you could be eligible for a discount on your policy.
Having daytime running lights as one of your car’s features will provide you with a discount on portions of your premium.
Just purchased a brand new car? Great news - vehicles produced for the current or upcoming model year qualify for a new car discount on collision coverage. *This discount will only apply if the vehicle has not been previously titled.
Payment Related Discounts
Payment based savings.
Policyholders who enroll in auto-pay (EFT) for payments will receive a discount.
Policyholders who pay their 12 month premium in full on the policy effective date will receive a discount.
Learn more about auto insurance
While auto insurance is mandatory for all vehicle owners in New York State, we believe it's more than that. At NYCM Insurance, we believe that insurance is a helping hand in your most trying times. It's what protects you and those you love most, and helps you return to normalcy following an incident or accident.
Learn More About Auto Insurance >
How do I apply discounts to my auto policy?
At NYCM Insurance, we encourage our policyholders to work with their agent to ensure that their policy meets their individual needs, and all applicable discounts are applied. If you are a new customer or are seeking a quote, find an agent in your area today!
Stay in the Know
Interested in learning more about ways to save on your auto insurance as an NYCM Insurance customer? Check out the articles below:
