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Save Money On Your Insurance Policies!


Tips to Lower Your Insurance Premiums



  • Increase your deductibles.
     
  • Take a Defense Driving class.
     
  • Maintain a good credit score.
     
  • Pay in full or enroll in EFT.
     
  • Pay your bills early enough to avoid non-pay cancellation notices.
     
  • Check out the Discounts below...
     

 


Home Insurance Discounts

Multi-Policy:
Discount when you have both your personal auto and homeowners policies with the same company.

Longevity:
Discount for remaining with the same company for more than one year.

Protective Devices:
Discount for having one or more of the following:  smoke detector, fire extinguisher, deadbolt lock, central fire alarm, central burglar alarm, sprinkler system.

Non-Smoker:
Discount if no one living in the household smokes.

New Home:
Discount if your home is 30 years old or newer.

Home Buyer:
Discount if you purchased your home within the last year.

Renovator Program:
Discount on homes over 30 years old that have been renovated within the past 10 years to include heating, plumbing, wiring, and the roof.

Suburban Rating:
Discount for qualifying rural homes.

Mature/Retired Homeowner:
Discount for homeowners over 50 who are retired and live in the home at least 10 months of the year.

Gated Community Discount:
If you live in a community with gate-controlled access.

Green Credit:
Discount for having a high efficiency furnace.

Water Alarm Credit:
Discount for having an alarm that will alert you to a water leak.

Flexible Stainless Steel Hoses:
Discount for installing flexible stainless steel hoses on all of your appliances (washing machine, dish washer, etc.).

No Other Structure On the Premises:
You are entitled to additional coverage for your dwelling at no cost.

Volunteer Firefighter:
Discount if you volunteer as a firefighter, have completed a state certified fire fighter training course and you have a working smoke detector in your home.

Smart Home:
Discount if you have certain qualifying smart and connected home devices that alert you to fire or burglar events via smart phone or electronic device.

Discounts are not available in all companies.

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Auto Insurance Discounts

Multi-Policy:
Discount when you have both your personal auto and homeowners policies with the same company.

Longevity:
Discount for remaining with the same company for more than one year.

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your personal auto.

Personal Umbrella Policy:
Credit when you also buy a Personal Umbrella policy.

Anti-Theft Devices:
Discount for having an Alarm, Vehicle Recovery System, Vehicle Identification Number window etching, or if your vehicle is equipped with a Passive Disabling Device.

Multi-Car:
Discount for having more than one vehicle on your personal auto policy.

Safe-Driver:
Discount for careful drivers who are accident and conviction free.

Accident Forgiveness:
You won't receive a surcharge on your first chargeable accident once you meet the qualifications.

Paid In Full:
Discount if you pay the entire price of your policy at one time.

New Car:
Discounted rate for a new car added to your policy.

Company Car:
Discount on your personal auto policy if you have personal use of a company car.

Passive Restraints:
Discount if your vehicle is equipped with factory installed front occupant restraints.

Anti-Lock Braking System:
Discount if your vehicle is equipped with ABS.

Daytime Running Lights:
Discount if your vehicle is equipped with factory installed daytime running lights.

Accident Prevention Course:
Discount for having taken an approved accident prevention course. We offer two online courses with Improv and the New York Safety Council see the home page or the banner to the right.

Automatic Payments:
Discount if you enroll in EFT through your checking account or with a credit/debit card.

Limited Mileage:
Discount on those vehicles that have limited usage.

Good Student:
Discount for student drivers who keep their GPA above a set score, for example, a 3.0. Scores vary between companies.

Distant Student:
Discount if you have a child at a college over 100 miles away without a car.

Driver Training:
Discount for those under 21 who have taken an approved driver training course (semester or summer long driver education class).

Minor Child Discount:
Discount when with company for at least a year, if you have a licensed child, under the age of 19, rated on your policy.

Paperless:
Discount for using only paperless methods with your policy.

Going Green:
Discount for driving a fuel efficient or low emission vehicle.

Hybrid Vehicle:
Discount for driving a hybrid vehicle.

Electronic Stability Control:
Discount for those cars equipped with electronic stability control.

Early Quote Advantage:
Discount if you call us to quote your insurance 7-14 days in advance.

Discounts are not available in all companies.

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Motorcycle Insurance Discounts

Multi-Policy:
Discount when your motorcycle is insured with the same company as another one of your policies.

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your motorcycle.

Anti-Theft:
Discount for having an Alarm, Vehicle Recovery System, Vehicle Identification Number window etching, or if your cycle is equipped with a passive Disabling Device.

Multi-Bike:
Discount for having more than one motorcycle on your policy.

Safe Driver:
Discount for careful drivers who are accident and conviction free.

Motorcyle Safety Course:
Discount for having taken an approved accident prevention course.

Experienced Driver:
Discount for having one or more years of cycle experience.

Association:
Discount for belonging to an accepted motorcycle organization.

Discounts are not available in all companies.

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Boat Insurance Discounts

Multi-Policy:
Discount when your watercraft is insured with the same company as another one of your policies.

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your watercraft.

Multi-Unit Credit:
Discount for having more than one watercraft on your policy.

Safe Driver:
Discount for careful drivers who are accident and conviction free.

Loss Free Renewal:
Discount for each time your policy renews without you having a loss.

New Boat:
Discount if your boat is a current model year.

Coast Guard Certification/Safety Course:
Discount for having taken an approved accident prevention course.

Mature Boater:
Discount for retired boaters age 50 and older.

Operable Equipment on Board:
Discount for having one or more of the following:  VHF Ship-to-Shore, Marine Compass, Depth Finder, Vapor-Detection System.

Hybrid/Electric Boat:
Discount for driving a hybrid/electric watercraft.

Association:
Discount for belonging to an accepted organization.

Discounts are not available in all companies.

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Snowmobile Insurance Discounts

Prior Insurance:
Discount for having at least 6 months of prior insurance with little or no lapse in coverage.

Homeownership:
Discount for owning and insuring your home, even if it is not insured with the same company as your snowmobile.

Anti-Theft:
Discount for having an anti-theft device installed on your sled.

Multi-Sled:
Discount for having more than one snowmobile on your policy.

Safety Course:
Discount for having taken an approved accident prevention course.

Discounts are not available in all companies.

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Learning about Insurance

Going to Canada?

Ask us for a Canadian ID card. "A U.S. traveler in Canada is required to carry a motor vehicle liability card, plus vehicle ownership papers. A copy of the automobile policy is recommended to be carried. And a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card is strongly recommended. U.S. travelers who do not carry a Canadian Non-Resident Inter-provincial Motor Vehicle Liability Card and are stopped by Canadian police or are in an accident while driving in Canada risk being fined or having their vehicle impounded until proof of proper coverage is obtained."