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NYCM car insurance review Sep 2020
Last updated:
NYCM covers drivers in central New York and has over 800 agents.
finder.com's rating: 3.5 / 5
★★★★★
- Get a quote if you want personalized support from a local agent.
- Pick something else if you want an easy claims process.
- New York drivers can apply.
optional
Roadside assistance
New car protection
Accident forgiveness
Details
| States served | New York |
|---|---|
| Roadside assistance | Optional |
| Accident forgiveness | Yes |
| New car protection | No |
| Pay schedule | 12 months |
| Claims methods | online, phone, in-person |
| Rideshare coverage | No |
| SR-22 support |
No |
Pros
- Mobile app to manage account and claims
- 24/7 support & roadside assistance
- Wide variety of discounts
Cons
- Only available in New York state
- Complicated claims process
- The company can cancel policies giving little or no information
| Anti-theft device discount | Yes |
|---|---|
| Bundling discount | Yes |
| Defensive driving discount | Yes |
| Good student discount | Yes |
| Loyalty discount | No |
| Homeowner discount | Yes |
| Military discount | No |
| Safety device discount | Yes |
| Special employment discount | No |
| Usage-based discount | Yes |
| Other discounts | Couples discount |
Expert review
Review by
Roslyn McKenna
roslyn.mckenna@finder.comRoslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on car, life, home and other insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.
Expert review
New York Central Mutual company could be a great pick for New York drivers looking for a more personal experience. With over 800 agents all over the state, you can get support from your local agent.
And as a mutual company, NYCM pays out dividends to customers. You could receive a check or cashback on your policy every year based on the company’s profits, a nice little perk for being a loyal customer.
However, NYCM doesn’t advertise a long list of discounts like the bigger national insurers. The company also doesn’t mention many standard perks on its site, so you’ll have to ask your agent for info about things like new car protection, gap insurance and rental cars.
Who is New York Central Mutual best for?
NYCM may be a good choice for you if you want personalized support. You can talk to an agent 24/7 to help customize the right coverage for you and find the best rates.
NYCM is only available for drivers living in New York state, so look elsewhere if you don’t live in New York or would prefer a more tech-friendly experience.
What car insurance coverage does NY Central Mutual offer?
- Bodily injury liability - Yes
- Property damage liability - Yes
- Uninsured motorist bodily injury - Yes
- Uninsured motorist property damage - Yes
- Personal injury - Yes
- Medical payments - Yes
- Collision - Yes
- Comprehensive - Yes
What features does NY Central Mutual have?
- Roadside assistance - Optional
- Gap insurance - No
- Rental cars - Yes
- Pet injury - No
- Rideshare - No
- New car protection - No
- SR22 - No
- Nonowner coverage - No
- Temporary and short term - No
What car insurance discounts can I get with NY Central Mutual?
- Anti-theft device discount - Yes
- Bundling discount - Yes
- Defensive driving discount - Yes
- Good student discount - Yes
- Loyalty discount - No
- Homeowner discount - Yes
- Military discount - No
- Safety device discount - Yes
- Special employment discount - No
- Usage-based discount - Yes
- Other discounts - Couples discount
Pros and cons of NY Central Mutual
Pros
- Mobile app to manage account and claims
- 24/7 support & roadside assistance
- Wide variety of discounts
Cons
- Only available in New York state
- Complicated claims process
- The company can cancel policies giving little or no information
How to apply for NY Central Mutual car insurance
- Online
- Agent
How to contact NY Central Mutual
Call (800) 234-6926 to get in touch with NY Central Mutual.- Online
- Phone
How to make a car insurance claim with NY Central Mutual
- online
- phone
- in-person
Compare alternatives to NYCM
Questions about NYCM car insurance
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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