Family who saves on their auto insurance

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 policy 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. Our 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.

Island Package Bundle*
Customers who have a personal auto insurance policy, AND a companion homeowners, condo or renters policy will be rewarded with a multi-policy discount of 18% off their personal auto policy, $50 off per eligible vehicle, and 10% off their homeowners, condo or renters policy.
*Some restrictions apply.

Multi-Car Discount
Multi-car discount is available when two or more vehicles are covered under one policy. Discount applies 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 a factory-installed anti-lock braking systems will automatically receive a discount on their collision premium.

Renewal Credit or Special 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.

Personal Auto Benefits at NO Additional Charge

Emergency Towing & Labor Reimbursement
Island auto insurance policyholders with collision and other than collision coverages will receive complimentary Emergency Towing & Labor Reimbursement up to $75 on covered vehicles for the following emergency services – one per disablement, at the place of disablement.

  • Emergency Towing
  • Lockout Service
  • Tire Change
  • Battery Replacement

If you have collision and other than collision coverages when your covered vehicle is disabled, and you require emergency towing or one of the services listed above, contact and pay the towing company or vendor, and request reimbursement. Send us your name, your policy #, an image or copy of your bill, and the reason for the emergency service:

Rental Car Reimbursement
Island auto customers with collision and other than collision coverages who require a car rental because a covered vehicle is damaged or disabled for more than 24 hours qualify to be reimbursed for rental car expenses. Specific limits apply.

Homeowners, Condo and Renters Discounts and Benefits

Island Package Bundle*
Customers who have a homeowners, condo or renters policy AND a companion personal auto policy, will be rewarded with a multi-policy discount of 18% discount off their personal auto policy, $50 off per eligible vehicle, and 10% off their homeowners, condo or renters policy.
*Some restrictions apply.

Renewal Credit or Special 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.

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.

Equipment Breakdown Coverage
Home and condo insurance customers receive Equipment Breakdown Coverage, which protects your home and personal property from loss by mechanical or electrical breakdown, at no additional cost.

Dwelling Fire Discount

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.


Some restrictions, terms and conditions apply.

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