Ways to Save on your Auto Insurance - NYCM Insurance Blog

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Dec 27, 2018

Ways to Save on your Auto Insurance

These Discounts Can Help Lower the Cost of Your Auto Insurance Premiums!


Automobile insurance can be a necessary and expensive cost for many. Auto insurance discounts are available for all types of drivers and can result in substantial savings when applied. Check out the types of discounts you may qualify for below, to lower the cost of your auto insurance premium!


Coupler Discounts

Coupling your homeowners insurance and your auto insurance with one company is one of the easiest ways to qualify for a discount. Many insurance companies offer this type of discount and are happy to reduce premiums if it means more business for their company overall. For more information about NYCM Insurance’s coupler discount, click here.


Low Mileage Discounts

Do you have a short commute to work? If you’re not putting many miles on your vehicle, chances are you’re less likely to get into an accident than someone who is a road warrior. It is a good idea to talk to your agent to see if you qualify for this type of discount based on the number of miles you drive annually. Qualification criteria may vary depending on the company you choose.  


Defensive Driving Course Discount

You may notice that higher rates can apply to teen drivers or to those with teen drivers in their household. Often this is correlated to the increased liability that inexperienced drivers tend to pose. This is especially true if they have already had traffic violations or accidents early on in their driving career.

You might consider enrolling in a defensive driving course if you are looking to save more money on your auto insurance premiums. Defensive drivers are better drivers.  If you have been trained to avoid hazards or prevent accidents, you will be much less likely to place an insurance claim. Insurance companies will often offer a discount for demonstrating your commitment to safe driving.


Company Specific Discounts

Insurance companies often list the discounts they offer on their website, so taking the time to research them yourself can be beneficial. For example, did you know NYCM Insurance offers a good student discount of up to 10%? This is something your insurance agent may not know about your family, so be sure to update them accordingly. There may be some additional car insurance discounts you qualify for based on your age, driving record, military history, and other various qualifications.


When in doubt, it’s always a good idea to reach out to your agent. Agents are often more aware of different company discounts that can apply to your specific situation. They may even find that it is time to shop your policy for better coverage as well as better prices. For more information on NYCM auto insurance discounts, contact one of our agents using the link below!