Insurance Products

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.

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.

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!

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.

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.

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.

* 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.