Car Insurance Discounts

Based on the drivers, car and policy

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Car insurance shoppers sometimes mistakenly think that they successfully “negotiated” a better rate with the insurance company or insurance agency only to realize that they just decreased their own coverage and/or increased their deductibles.  Instead, you should understand what car insurance discounts are available so that you can decrease your cost of insurance without jeopardizing your protection.  When completing a car insurance quote request form, be sure to check off these car insurance discounts that you may qualify for:

Car insurance discounts based on the drivers in your household:

Good student

  • If driver is between 16 and 24 years old and
  • Is a full time student in high school or enrolled in at least 4 courses per term or is a full time student in a certificate or degree program in an accredited college, university or home school program and
  • Scholastic records for the most recent school semester or quarter show driver is ranked among the top 20% of the class or
  • Driver has at least a 3.0 grade point average or “B” for all subjects or “B-” for full time student at a 2-year or 4-year college or
  • Driver is on the dean’s list or honor roll

Distant student

  • Youthful operator is on the policy but is also a resident student at a school which is over 100 road miles from the principal garaging address
  • Note: if someone in your household is old enough to have a driver license, but doesn’t actually have a driver license, they still have to be listed on your policy.

Accident prevention course

  • This course is also known as a defensive driving course
  • You can take this six hour course online or in a classroom setting
  • This is not the same as a driver’s education course
  • Course needs to have been completed within the past three years
  • Course has to be retaken at the end of the three years to maintain the discount
  • You maintain the discount even if you cancel your policy and buy a new policy from a different agency or insurance company
  • Course must be approved by New York State specifically as an eligible course for the car insurance discount

Car insurance discounts based on how you use the vehicle:


  • A device provided by the insurance company collects mileage and driving behavior data (acceleration, braking and night time driving)
  • You need to provide an email address
  • An automatic 5% discount is applied to your policy just for signing up to install the device
  • After 90 days of the device being installed (by you in your car) and collecting data, the initial 5% discount may increase to up to 30%
  • You will be provided a postage paid envelope to return the device to the insurance company after the 90 day data collection period

Low mileage

  • If you drive less than 8,000 miles annually; for pleasure-use only vehicles and only if primary driver is at least 25 years old

Car insurance discounts based on how your car is equipped:

Factory installed anti lock brakes

Factory installed day time running lights

Anti-theft device

  • Alarm only: emits an audible alarm that can be heard at a distance of at least 300 feet for at least 3 minutes
  • Disabling device: makes the fuel, ignition or starting system inoperative
    • Manual
    • Automatic
  • Vehicle recovery device

Vehicle Identification Number (VIN) etched in the window glass

Passive restraints

  • Automatic seat belts and/or airbags

Car insurance discounts based on your policy:


  • If you have more than one car on the policy


  • If you own the house, condominium or mobile home that is your primary residence


  • If you purchase liability coverage in addition to comprehensive and/or collision coverages


  • If you purchase a 6-month or 12-month policy and pay for the policy in full
  • If you purchase a 12-month policy and pay for the policy with no more than two installment payments


  • If you have an in-force (active) homeowners, condominium unit or renters policy from the same insurance company that issued your automobile policy

The car insurance discounts mentioned above pertain to the policies that this agency sells. Other insurance agencies that represent different insurance companies than we do may offer different discounts.

© 2018 NY Car Insurance Agency
Last updated May 2018