Personal Auto Insurance Discounts

Prior Insurance Discount
You may be eligible for a 25% discount on your auto insurance if you had at least 12 months of continuous coverage through your prior insurance.

At-Fault Accident-Free Discounts with built-in Accident Forgiveness
If you are accident-free for at least 12 months prior to the effective date of your new auto insurance and received a similar discount from your prior insurer, you may qualify for an Accident-Free discount. In the unfortunate event you are involved in an at-fault accident; you may still be eligible to receive an Accident-Free discount through our built-in Accident Forgiveness program. The Accident-Free discount applies to Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Comprehensive and Collision coverages.

Group Discounts
Members of qualifying groups may be eligible for a total combined discount of up to 15%. Current groups include Teachers, Professors, Professional Occupations, Homeowners and Retirees.

Renewal Discount
Customers with qualifying auto insurance renewals may be eligible for a renewal discount of up to 6%.

Hybrid Vehicle Discount
Hybrid vehicle owners may be eligible for an additional Hybrid Vehicle Discount on their auto insurance.

Multi-Policy Discount
Customers who have a Personal Auto insurance policy, AND a companion Homeowners, Condo or Renters policy will be rewarded with a $50 per vehicle discount on their annual Personal Auto policy as well as a 10% discount on their Homeowners policy.

Multi-Car Discount
Multi-Car discount is available when two or more vehicles are covered under one policy. Discount applies to most coverages.

Defensive Driving Discount
Drivers who complete a Defensive Driving course will be eligible for a discount that is applicable for three (3) years of each certification which will be applied to most coverages.

Anti-Theft System Discount
Vehicles with anti-theft devices may qualify for a discount on Other Than Collision coverage. Please provide make and model information of the system.

Air Bag Discount
Vehicles equipped with air bags will automatically receive a discount on Personal Injury Protection (PIP) coverage.

Anti-Lock Brake System Discount
Vehicles with factory-installed anti-lock braking systems will automatically receive a discount on the Collision premium.

Passive Restraint Device Discount
A discount will be automatically applied to the Personal Injury Protection (PIP) coverage of qualifying vehicles equipped with passive restraint devices.

Renewal Credit (for Island Insurance and Island Premier Insurance)
Special Customer Credit (for Tradewind Insurance)
In appreciation to our loyal customers, a credit will be issued to those who renew their policies with Island, Island Premier or Tradewind Insurance. Credit will be applied to most coverages.

Personal Auto Benefits at NO Additional Charge

Towing & Labor
Customers with Other Than Collision coverage qualify for reimbursement of Towing and Labor costs each time your vehicle is disabled. Specific limits apply.

Transportation Expense
Customers with Collision and/or Other Than Collision coverage may be eligible for reimbursement of car rental expenses if your vehicle is damaged or disabled for more than 24 hours and requires a rental car. Specific limits apply.

Discounts and Benefits for Homeowners, Condo Unit-Owners and Renters

Multi-Policy Discount
Customers with a Homeowners, Condo or Renters policy AND a companion Personal Auto policy will be rewarded with a 10% discount on their annual Homeowners, Condo or Renters insurance policy in addition to a $50 per vehicle discount on their Personal Auto policy (no maximum number of vehicles apply).

Renewal Credit (for Island Insurance and Island Premier Insurance)
Special Customer Credit (for Tradewind Insurance)
In appreciation to our loyal customers, a credit will be issued to those who renew their policies with Island, Island Premier or Tradewind Insurance. Credit will be applied to most coverages.

Premises Alarm or Fire Protection System Discount
Approved and properly maintained installations of alarm or fire protection systems may be eligible for this discount.

Age of Dwelling Discount
If you are one of the many who own a home that is less than 20 years old, you could receive additional savings with our Age of Dwelling Credit.

Loss Assessment Coverage
A basic limit of $5,000 Loss Assessment coverage is included at no additional cost.

Discounts and Benefits for Dwelling Fire Policies

Customer Credit
In appreciation to our loyal customers, a credit will be issued to those who renew their policies with Island, Island Premier or Tradewind Insurance. Credit will be applied to most coverages.

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Just as each home is different so is your situation. To find the right coverages for your needs, homeowners insurance quotes are only available via phone.

Call 643-4000 M-F, 8 a.m. - 5:30 p.m.