Auto Credits & Discounts
Account / Homeownership Credit
We offer an additional credit for insuring both home and auto
with us. The Account Credit applies if the applicant's Homeowners
policy is also with Utica National. In some states, we offer a
credit for owning a home.
Pay in full
A discount will apply if the premium is paid in full when
completing the application.
Multi car discount
The Multi-Car Discount will automatically apply if more than one
vehicle is insured on the same policy with us.
Safe driver (Accident Prevention Course)
Discount for every driver that has completed a state approved
Accident Prevention course.
Fuel Efficient vehicle
Credit for the more environmentally friendly vehicles as
determined by the Greenhouse Gas Score. With a requirement of 8 or
above, Hybrid vehicles typically qualify. Even some gasoline
only fueled vehicles qualify.
The Greenhouse Gas Score is developed through the United States
Environmental Protection Agency (EPA) and the Green Vehicle Guide.
Use the link to the Green Vehicle Guide to see if your vehicles
Most vehicles come standard with some safety equipment. If
your vehicle has any of these options we offer a variety of discount
- Anti-lock brakes
- Daytime running lights
- Passive restraint systems
- Electronic stability control
If your vehicle has any of the following anti-theft deterrents
installed, we have discounts for you.
- Disabling devices
- Vehicle Recovery systems
Good Student Discount
If your young driver is also a good student, we have a discount
available for you.
Student away from Home
If your young driver is a full time student attending school at
least 100 miles away from home, we discount your rate if they don’t
have a car with them.