15% on Your Auto Insurance Premium

New York Central Mutual has found that our insureds can save up to 15% by raising Collision and Comprehensive deductibles, and changing their liability from a combined single limit to split limits.

We calculated premiums for our insureds across New York State and found that they could save as much as 15% by:

a) raising deductibles from $200 to $500 on Collision coverage
b) raising deductibles from $100 to $500 on Comprehensive coverage
c) considering split liability limits
d) having a $200 Personal Injury Protection (PIP) deductible

10% Coupler

If you have your homeowner or mobile home policy with NYCM Insurance you can save 10% on your auto premium.

Anti-Theft Discount on Comprehensive Coverage

Alarm only

5%

Active disabling device

5%

Passive disabling device

15%

Vehicle recovery systems, electronic homing device

15%

Window Etching

5%

Onstar Recovery System

15%

*Maximum discounts apply

Passive Restraints

A discount on Personal Injury Protection (PIP) and Medical Payments premium for private passenger vehicles equipped with eligible factory installed passive restraints.
20% for driver-side-only airbag
30% discount for passive restraints; driver and passenger side air bags.

Anti-Lock Braking System Discount
7% discount for Bodily Injury and Property Damage liability, or Single Limit liability, Personal Injury Protection (PIP), Medical Payments and Collision coverage for private passenger vehicles equipped with two or four-wheel anti-lock braking system.

Daytime Running Lamps

3% discount on premiums for Bodily Injury and Property Damage liability or Single Limit liability, Personal Injury Protection (PIP), Medical Payments and Collision coverage.

Accident Prevention Course Discount

10% Accident Prevention Course discount on premiums for Single Limit liability or Bodily Injury and Property Damage liability, Personal Injury Protection (PIP) and Collision coverage.

Multi–Car Discount

Available to those who insure two or more cars with New York Central Mutual.

Resident Student Discount

A discount offered to those insureds who have a son or daughter without a car, at a college over 100 miles away.

Coupler Discounts

The Coupler discount is applicable to Homeowner policies when NYCM or ACIC also carries the Automobile policy. An additional discount is also available if NYCM carries the Umbrella policy.

Auto Only

10%

Auto & Umbrella

20%

Age of Home Discount

A discount ranging from 4% to 39% is applicable based on the age of your home.

Home Buyer Discount

A discount will apply if you purchased your home within 12 months of writing your Homeowner policy with NYCM. To qualify you do NOT have to be a first time home buyer.

Renovation Discount

To qualify for this discount your dwelling must be 20 years or older.

• Roof must have been replaced within the last 10 years.
• Primary heating source must have been replaced within the last 10 years.
• Discounts apply for 20 years from installation date.

New Roof

5%

Primary Heat Source

2.5%

Claim Free Discount

If you have been insured with NYCM Prestige Homeowner Program for five years, claim free and coupled with an Automobile policy you may qualify for an additional 5% discount.

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,
• 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.

Protective Devices

Fire Alarm Credits

Central Station Reporting Fire Alarm

8%

Fire Department Reporting Fire Alarm

8%

Local Fire Alarm

2%

Burglar Alarm Credits

Central Station Reporting Burglar Alarm

8%

Police Station Reporting Burglar Alarm

8%

Local Burglar Alarm

2%

Deadbolts

2%

Power Restoration Credits

Automatic Generator (Hard-wired)

5%

Portable Generator

1%

Water Alarm Credits

Water Alert-Central Station

5%

Water Alert-Dial Out

5%

Temperature Alert Credits

Temperature Alert - Central Station

5%

Temperature Alert - Dial Out

5%

Fire Mitigation Credits

Auto Sprinklers in all areas

13%

Auto Sprinklers in all areas except attic, bathroom, etc.

8%

Fire Extinguisher

2%

Other Premise Alarm Credits

Sensaphone

6%

You can also decrease your premium by raising your deductible. Available deductibles are:

• $100, $250, $500, $750, $1,000, $1,500, $2,500, $5,000, $10,000 and $25,000.

Retired Discount

Individuals 55 years of age or older are eligible for a 10% additional discount.
Minimum coverage of $15,000 is mandatory.

New Home Discount

Mobile homes three years of age or newer are eligible for a 10% additional discount.
Minimum coverage of $15,000 is mandatory.

5% Coupler

If you have your auto policy with New York Central or A. Central you can save 5% on your mobile home premium.

Protective Devices

Central Station Alarms: burglary and/or fire

5%

Fire department and/or police department alarms

3%

Local alarms

2%

Sprinkler systems

3%