Auto Insurance Discounts

Auto Insurance Discounts Offered by New York's Major Insurers

Check with your insurance company, agent or broker about discounts that may be available to you and how much you might save, such as those for senior citizens, low annual mileage, and “good student discounts” offered to young drivers meeting certain academic requirements. You may also be able to save money with a “multi-car discount” by insuring all your cars with the same company. Learn more about discounts in our Auto Insurance Resource Center.

Accident Prevention Course (Defensive Driving), Electronic Tracking Device, Factory Installed Anti-lock Braking System (ABS), Passive Restraints (Automatic Seat Belts or Air Bags), Factory Installed Daytime Running Lamps (DRL) and Window Glass Etching discounts are mandated by statute and must be offered by all companies.

Note: Except for anti-theft and passive restraint discounts, which apply only to the comprehensive and no-fault coverage premiums respectively, discounts generally apply to most coverages.

Untitled Document

COMPANY	Accident Free (Careful Driver)	Alarm Only	Active Disabling Device	Passive Disabling Device	Telematics / Usage Based Insurance (UBI)	Multi-Car	Multi-line/Package (Home & Car)	Senior Citizen / Retired	Collision Avoidance System	Renewal Discount	Other	Other	Other
A. Central Insurance Company	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	No	Homeownership	Paid in Full	Electronic Funds Transfer
Allmerica Financial Alliance Insurance Company	No	Yes	Yes	Yes	No	Yes	Yes	No	No	No	Homeowner Discount	Youthful Driver Discount	Paid in Full Discount
Allstate Fire and Casualty Insurance Company	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	No	Smart Student Discount	The Good Hands People Discount	Homeowner Discount
Allstate Insurance Company	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	Resident Student Discount	Economy Car Discount	New Car Discount
American States Insurance Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Student Away at School Discount	Good Student Discount	Violation Free Discount
Amica Mutual Insurance Company	No	Yes	Yes	Yes	No	Yes	Yes	No	Yes	No	Student Away	Age 50 and Over	Good Student
Chubb National Insurance Company	No	Yes	Yes	Yes	No	No	Yes	No	No	No	Family Compostiion Discount	Good student	Youthful Driver Training
Country-Wide Insurance Company	No	Yes	Yes	Yes	No	Yes	No	No	No	No	Driver Training Credit*(10% on Collision)
Erie Insurance Company	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	Payment Plan Discount	College Student Discount	Reduced Usage Discount
Erie Insurance Company of New York	Yes	No	No	No	No	No	Yes	No	No	No	Pay Plan
Farmers Group Property and Casualty Insurance Company	Yes	No	Yes	Yes	No	Yes	Yes	No	No	No	Driver Training Discount	Good Student Discount	Resident Student Discount
Farmers Property and Casualty Insurance Company	Yes	No	Yes	Yes	No	Yes	Yes	No	No	No	Resident Student Discount	Good Student Discount	ExpressIt Discount
GEICO General Insurance Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Military discount	Good Student discount	New Vehicle discount
GEICO Indemnity Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Military discount	Good Student discount	New Vehicle discount
Hartford Underwriters Insurance Company	No	Yes	Yes	Yes	No	No	Yes	No	No	No	Non-Resident Student	Employee Discount	AARP Membership
LM General Insurance Company	Yes	Yes	No	Yes	Yes	Yes	Yes	No	Yes	No	Student Away at School Discount	Good Student Discount	Violation Free
Nationwide General Insurance Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	New Vehicle	Billing Payment Method	Paperless
New York Central Mutual Fire Insurance Company	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	No	Homeownership	Paid in Full	Electronic Funds Transfer
Plymouth Rock Assurance Preferred Corporation	Yes	Yes	Yes	Yes	No	No	Yes	No	No	No	Pay In Full Discount	eDocument Discount	Away At School Discount
Progressive Advanced Insurance Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Paid in Full	Teen Driver	Good Student
Progressive Casualty Insurance Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Paid in Full	Teen Driver	Good Student
Standard Fire Insurance Company	No	Yes	Yes	Yes	No	Yes	Yes	No	No	No	Driver Training	Continuous Insurance	New Car Discount
State Farm Fire and Casualty Company	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Good Student Discount	Steer Clear® Safe Driver	Driving Training Discount
State Farm Mutual Automobile Insurance Company	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Good Student Discount	Steer Clear® Safe Driver	Driving Training Discount
Travelers Personal Insurance Company	No	Yes	Yes	Yes	No	Yes	Yes	No	No	No	Driver Training	Continuous Insurance	New Car Discount
United Services Automobile Association	Yes	Yes	Yes	Yes	No	Yes	No	No	No	No	New Vehicle Discount	Automatic Payment Plan (APP)	Good Student Discount
USAA Casualty Insurance Company	Yes	Yes	Yes	Yes	No	Yes	No	No	No	No	New Vehicle Discount	Automatic Payment Plan (APP)	Good Student Discount