Anamarie Waite, Car Insurance Writer
@anamarie.waite
You can get car insurance discounts in New York based on how you drive, the car you own, and your relationship with your insurance company. In New York, car insurance companies are allowed to consider factors like marital and residential status when setting premiums. That means there are also discounts available for being married or owning a home. In New York, insurance companies cannot use your education or occupation to determine rates. That means you can't get discounts for being affiliated with certain employers or educational institutions.
Almost anyone can get a discount on car insurance in New York because most insurance companies make it easy to qualify for a variety of savings. New York insurers typically offer discounts that fall into one of three categories—policy discounts, driver discounts, and vehicle discounts.
Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most New York drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to New York residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.
Car Insurance Discounts in New York
Discount | How It Works | Potential Savings |
Customer Loyalty | Customer loyalty discounts are not available in New York because state laws prevent insurance companies from adjusting rates based on the likelihood a customer will not switch companies. | Up to 10% |
Good Driver | Drivers with a clean record and no claims history save on insurance. | 10% to 30% |
Driver Education | All drivers are eligible for a discount if they complete an approved driver's education course under New York state law. | 5% to 10% |
Continuously Insured | Drivers who have been insured for 6 months or more save on insurance. | 5% to 25% |
Billing and Payments | If you pay for your policy in full, set up automatic payments, pay online, or go paperless, you can save. | 2% to 25% |
Policy Bundling | Insure multiple vehicles or get different policy types (like home and auto) from the same company can earn a discount. | 1% to 12% |
Good Student | Young drivers with a “B” average or higher are eligible for discounts. | 5% to 20% |
Usage-Based | Some insurance companies offer discounts for drivers who are willing to have their driving habits monitored by an electronic device attached to your car and/or your smartphone. | 1% to 30% |
Safety Features | Cars featuring multiple airbags, anti-lock brakes, daytime running lights, and other safety add-ons can save on car insurance. | 2% to 30% |
Anti-Theft Systems | Car alarms, LoJack, steering wheel locks, or other anti-theft features can make comprehensive coverage more affordable. | 5% to 25% |
Remember, discounts vary among different insurance companies, so it’s always best to contact the provider directly to determine which discounts you qualify for.
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