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Discounts & Benefits For Auto Insurance in New York

Learn About Car Insurance Discounts in New York

Car insurance rates in New York are perennially some of the highest in the country. The cost of living in many parts of the state also ranks very high relative to other regions of the country. With that said, you will be glad to know that auto insurance products in New York are often sold with many kinds of available discounts.

Get to know available car insurance discounts in New York and how to become eligible and you will likely save a good deal of money on your premium. You can also read about group discounts available that can help you save.


Student Away at School

If you have a student away at school who doesn’t have regular access to the vehicles on your policy, you can take advantage of our discount.

Safe Drivers

Maintain a violations-free driving record by avoiding moving violations such as speeding or reckless driving

Driver Training Discount

You may be eligible for other discounts if you have recently completed a state-approved defensive driving course.

Good Student Discount

For drivers who are still in school, getting good grades can also help you save money on auto insurance. This includes both high school and college students.

Bundling Discounts

Save money when you have multiple insurance policies, such as auto and homeowners, with Plymouth Rock.

Anti-Theft Devices

If your vehicle has safety and restraint features, such as an alarm systems or anti-lock brakes, you can save.

Paid in Full Discount

For eligible drivers when they pay their premium up front.

Multi-Car Discount

Save by having multiple cars listed on the same policy. Our Multi Car discount ensures you get the best value and makes it easy to manage auto insurance for all your vehicles.

Plymouth Rock Assurance Policyholder Perks

You deserve more than just insurance. That’s our view. We don’t think it’s enough to just offer reliable insurance protection — your expectations should be exceeded. From adding extra coverages to helping to prevent accidents, we give each and every one of our policyholders great perks, all at no extra cost.

Guaranteed Repair Shops

Get your car repaired at a shop with a track record for quality. We’ll guarantee the work as long as you own or lease your car.


Plymouth Rock has unique services like our Crashbusters® mobile claims service.

Get Home Safe®

If you find yourself in a situation where you don’t feel safe driving, Plymouth Rock will pick up the tab for your cab or rideshare fare home.

Your Team. Your Insurance.

If you live in the Northeast, there’s a good chance you love sports. That’s why Plymouth Rock has joined up with some of your favorite teams to get access to tickets and other special perks.

New York Yankees

Join our one-of-a-kind Pinstripe Perks program.
Read more

Making Your Vehicle Safer Saves Money

Did you know that many companies offer a discount on your insurance policy if you make your vehicle safer? There are many ways to do this. For example, if your vehicle has an anti-theft device installed, this helps ensure the vehicle is less likely to be stolen. Ask your agent about discounts for steering wheel locks and alarm systems. You can also save if your vehicle has anti-lock brakes and proper safety and restraint features. When you shop for car insurance ask about your vehicle and the various ways your agent can help you save money on insurance. Discounts types and amounts will vary by carrier.

Being a Safe Driver Matters

Some of the best New York car insurance discounts come from being a safe driver. Maintain a violations-free driving record by avoiding moving violations such as speeding or reckless driving. If you have violations, consider taking a defensive driving course, which can help you learn skills to avoid dangerous on-the-road accidents and also make you eligible for discounts with some carriers. For drivers who are still in school, getting good grades can also help you save money on auto insurance. This includes both high school and college students. Driver training for drivers under 19 years old can also help you secure lower-costing insurance. Remain as safe as possible on the roads to keep your vehicle safe and your insurance rates lower.

Company-Provided Discounts

Another type of discount available to New York motorists relates to the types of coverage you obtain and how you use it. For example, if you are a college student who leaves their vehicle at home while away at school, you may drive little enough to present lower risk.

Other Savings Options Are Out There

When it comes to finding all of the best New York car insurance discounts, let our team at Plymouth Rock go to work for you. We are happy to help you with your home, renter’s and auto coverage needs. By bundling policies together, you can often save a significant amount of money overall. Multi-car policies are another fantastic savings opportunity. Ask us about discounts if you elect to receive your policy documents electronically or if you pay the coverage in full.

Our licensed agents are happy to help you find a policy that’s just right for your budget and your vehicle’s protection. Call for a quick and convenient quote or build your quote online with our easy-to-use eSales quoting option.

To see how we can help you save on New York auto insurance, call 855-993-4470, get a free quote online or find a local agent. For a NY home, condo or renters insurance quote, click here, call 833-857-5848, or find an agent. If you need additional information, please visit our contact us page. If you need additional information, please visit our contact us page.

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Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states. Insurance in New York is underwritten by Plymouth Rock Assurance Preferred Corporation, Plymouth Rock Assurance Corporation of New York, Palisades Insurance Company, and Palisades Property and Casualty Insurance Company. Each company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company.