Discounts

Believe it or not but people tend to overpay by overlooking discounts for which they qualify for.
 
An estimate showed that in the State of NY, companies owed the insured motorists up to $38 million dollars and $300 million dollars statewide. Many companies offer these discounts voluntarily and are required by law to provide you with the information used to determine the total cost of your auto insurance premium.

Look over your auto insurance policy, verify the information and make sure all credits have been properly applied for a discount.


Daytime Running Lights (DRL)
 
Daytime running lights are activated the minute you start your car.

This feature is a low cost method to reduce accidents and allows your vehicle to be extremely visible to oncoming drivers, therefore reducing the possibility of daytime head on collisions and making it easier to see approaching vehicles from a distance.

Having this feature on your vehicle entitles you to a three percent discount.

Discounts for this feature are applied (discounted) towards:
 
   BODILY INJURY coverage,
 
   PROPERTY DAMAGE coverage,
 
   PERSONAL INJURY PROTECTION (PIP) coverage,
 
   and COLLISION coverage of your auto insurance policy.

 

Passive Restraints (Air Bags)
 
Airbags are designed to work together with seat belts and when used properly it reduces the risk of serious injuries in an accident.

Having this feature on your vehicle entitles you to a discount.

Please be advised that having both driver and passenger airbags entitles you to a higher discount than just having a driver side airbag.

Discounts for this feature are applied (discounted) towards:
 
   PERSONAL INJURY PROTECTION coverage of your auto
     insurance policy.

Passive Restraint (Automatic Seat Belts)
 
Seat belts reduce the risk of serious or fatal injuries in a crash.

Forty-nine States enforce this mandatory safety belt law and although the seat belt law doesn’t make you a responsible driver, it is likely that you will not forget to use a seat belt should your car be equipped with the feature of automatic seatbelts.

Having AUTOMATIC seat belts as a feature on your vehicle entitles you to a discount.

Discounts for this feature are applied (discounted) towards:
 
   PERSONAL INJURY PROTECTION (PIP) coverage of your
    auto insurance policy.

Anti-Lock Brakes (ABS)
 
Anti-lock brakes are designed to help drivers avoid crashes and is now a widely available feature on newly purchased vehicles. They reduce loss of stability and allow the driver to maintain steering control.

Having this feature on your vehicle entitles you to a discount.

Discounts for this feature are applied (discounted) towards:
 
   PROPERTY DAMAGE coverage,
 
   PERSONAL INJURY PROTECTION (PIP) coverage,
 
   BODILY INJURY PROTECTION coverage
 
   and COLLISION coverage of your auto insurance policy.



Anti Theft Devices
 
Each year millions of cars are reported stolen in the U.S. and it’s a fast growing crime.

Installing an approved alarm system or other protection devices will entitle you to a discount.

Discount for having your vehicle equipped with an anti theft device are applied (discounted) towards the:
 
   COMPREHENSIVE coverage of your auto insurance policy.

Defensive Driver Course (DDC)
 
A Defensive Driving Course sharpens your defensive driving skills and makes you a safer, more alert and informed driver.

Having taken a Defensive Driving Course may reduce up to four (4) points (DMV points) off your license and can save you up to ten (10%) percent towards your auto insurance premium for up to three (3) years.

Discounts for taking a Defensive Driving Course are applied (discounted) towards:
 
   LIABILITY coverage and COLLISION coverage of your
   auto insurance policy.



Defensive Driver Status
 
No tickets or accidents and continuous coverage for thirty-six (36) months qualifies you for a discount towards your auto insurance policy.