Look at all the ways you can save on your auto premium with Utica, and add up how much YOU can save.
We help good drivers keep their insurance affordable!



Annual Mileage Credit

If your vehicle is on the road less, we think you should pay less for your insurance - save as much as 15%. Lower miles driven exposes you and your vehicle to less chance of accident or loss. Contact your local Utica National Independent Agent to learn more.

Multi-vehicle discount

You save up to 25% per car with our multi-vehicle discount, if you insure more than one car with us.

Bundle your coverages

Save up to 12% when you bundle your coverages and insure your home with us.

Pay in full discount

Pay up front in full, save up to 10%. Pay your full annual premium at once by cash, check, Electronic Funds Transfer (EFT) or credit card and we will discount it by up to 10%. (This does not apply to any statutory or state-mandated charges.)

Going green

Save 5% on your insurance… and our discount isn’t limited to just Hybrid vehicles!

Airbags & motorized seat belts

Save up to 30% on personal injury and Medial payment coverages with airbags and motorized seat belts.

Anti-lock Brakes

If you have anti-lock brakes, lock in up to 7% off the premium for most coverages.

Anti-theft devices

You get 5 ways to save with anti-theft devices -- take up to 15% off your Fire & Theft coverage premium.

Anti-theft device:
Alarm only: 5% discount on your Fire & Theft coverage
Active disabling device: up to 10% on your Fire & Theft coverage
Passive disabling device up to 10% on your Fire & Theft coverage
Window glass etching: 5% discount on your Fire & Theft coverage
Vehicle Recovery Systems: 15% discount on your Fire & Theft coverage

Electronic stability control

Save 5% on most coverage premiums if your vehicle has Electronic Stability Control.

Standard on many cars since 2001 and mandatory on all by 2012, ESC lets your anti-lock brakes and traction control work together via computer to help you regain control during a skid situation.

Follow this link to a very informative site about Electronic Stability Control:

Daytime running lights

Daytime running lights on your car save you another 3%.

Good students

Good Students can save up to 20% with us.
Full-time high school or college students with an average of B or equivalent can qualify.

Company car

You can get our multi-car discount if you have a Company Car available for your personal use.

We’ll treat you like a multi-car owner with a credit of up to 25% on your single vehicle policy, if the company car is assigned to you and available for your daily personal use.

Away at school

If your young driver is away at school, without the car, save up to 50% on that vehicle’s premium.

Electronic funds transfer

You can eliminate all billing service charges if you pay your bill with EFT (Electronic Funds Transfer)!

This offers only a summary of the coverages available through Utica National. For complete information consult your professional insurance agent or broker. Coverage and discount availability may vary by state.