Payment Plans and Options



Auto Credits & Discounts

car insurance

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 qualify/



Safety Equipment 

Most vehicles come standard with some safety equipment.  If your vehicle has any of these options we offer a variety of discount opportunities.


  •  Anti-lock brakes
  •  Daytime running lights
  •  Passive restraint systems
  •  Electronic stability control



Anti-theft devices 

If your vehicle has any of the following anti-theft deterrents installed, we have discounts for you.


  • Alarm
  • 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.