Discounts for Rhode Island Policyholders

Homeowner Insurance Discounts

Deductible Discount– Choose a higher deductible and reduce the cost of your homeowner’s policy premium!

Alarm Discounts – Does your home have smoke detectors, central station fire and burglar alarms? Depending on the type of system and how it is monitored you are eligible for a premium discount.

New Home Discount – If your home was built within the last 15 years, we will discount your policy up to 10%.

Loss Free Credit – If you have not had a loss to your home for one year, we discount your policy 2%.  If you have not had a loss to your home for two years, we will discount your policy 5%.  If you do not have any losses for three full years, we will increase the discount on your policy to 10%.

Superior Construction – Homes built entirely out of non-combustible materials are eligible for a premium discount.

Automobile Insurance Discounts

Deductible Discounts – Choose a higher deductible on Collision and/or Other Than Collision Coverages and reduce your premium!

Low Mileage Discount – If you drive a short distance to work or school, you may be eligible for a reduced premium.

Multi-Car Discount - If two or more of your autos are insured with Quincy Mutual, you are eligible for an additional discount. If you have a personal auto and a company car we will also apply the multi-car discount.

Anti-Theft Devices – If your automobile is equipped with an anti-theft device you could be eligible for a discount of up to a 35% on your Comprehensive Coverage. Discounts vary depending upon the type of anti-theft device.

Good Student Discount – Students who have a grade point average equal to or above a B or 3.00 are eligible for a discount.

Student Away Discount – Students, who attend a school over 100 miles from a vehicle’s place of garaging and are rated operators on a policy, are eligible for a discount.

Early Issue – If you buy your insurance from Quincy Mutual Group at least 5 days before the effective date of the policy, we will apply a 5% premium discount to your policy for one year.

For More Information

Looking for discounts for other states? Connecticut policyholders should click here, while Massachusetts policyholders should click here.

If you are unsure what discounts you may qualify for, please contact us for more information.