NYCM Insurance Review & Ratings (2023)

This NYCM Insurance Review will cover NYCM Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The NYCM Insurance A.M. Best rating is A+. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Feb 28, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 28, 2023

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Company Details
Address: 1899 Central Plaza East
City: Edmeston
State: NY
ZIP Code: 13335
Phone Number: (607) 965-8321
Fax: (607) 965-2202
Website: nycm.com
AM Best Rating: A+

NYCM Insurance is a New York-based car insurance company that has been providing quality insurance products to drivers for over 125 years.

Here are some interesting attributes of NYCM Insurance that make them stand out from other car insurance providers:

  • NYCM Insurance offers a wide range of car insurance products and services that are tailored to the unique needs of drivers in the Northeastern United States
  • The company has a strong reputation for excellent customer service and has consistently been rated as one of the best insurance providers in the region
  • NYCM Insurance is committed to giving back to the communities it serves and supports a variety of charitable organizations and community initiatives

NYCM Insurance History and Mission

NYCM Insurance has a long and storied history that dates back over a century. The company was founded in 1899 by VanNess DeMar Robinson, who started the company with the belief that insurance should be accessible and affordable to everyone. Over the years, NYCM Insurance has grown and evolved, but its commitment to its customers has remained the same.

Today, NYCM Insurance is headquartered in Edmeston, New York, and is led by President and CEO V. Daniel Robinson II, the great-grandson of the company’s founder. The company remains committed to providing high-quality insurance products and services to drivers in the Northeastern United States, with a focus on affordability, reliability, and excellent customer service.

In terms of its mission, NYCM Insurance is committed to helping its customers protect their assets and financial well-being through the provision of high-quality insurance products and services. The company’s goal is to provide affordable and reliable insurance coverage to drivers in the Northeastern United States, with a focus on meeting the unique needs of each individual customer.

To achieve this goal, NYCM Insurance employs a team of knowledgeable insurance professionals who work closely with customers to help them find the right insurance solutions for their specific needs.

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NYCM Insurance Products and Services

NYCM Insurance offers a range of car insurance products and services designed to meet the needs of drivers in the Northeastern United States. Here’s a closer look at some of the company’s most popular products and services:

  • Liability insurance: Liability insurance is designed to protect you if you cause an accident that results in property damage or bodily injury to another person. NYCM Insurance offers a range of liability insurance options, including bodily injury liability and property damage liability.
  • Collision insurance: Collision insurance is designed to protect you if your car is damaged in an accident, regardless of who is at fault. NYCM Insurance offers collision insurance coverage that can help pay for repairs or replacement of your vehicle.
  • Comprehensive insurance: Comprehensive insurance is designed to protect you if your car is damaged by events that are outside of your control, such as theft, vandalism, or weather-related damage. NYCM Insurance offers comprehensive insurance coverage that can help pay for repairs or replacement of your vehicle.
  • Personal injury protection: Personal injury protection (PIP) is designed to cover medical expenses and lost wages if you or your passengers are injured in a car accident, regardless of who is at fault. NYCM Insurance offers PIP coverage to help ensure that you are protected in the event of an accident.
  • Uninsured/Underinsured motorist coverage: Uninsured/underinsured motorist coverage is designed to protect you if you are involved in an accident with someone who does not have enough insurance coverage to pay for the damages. NYCM Insurance offers uninsured/underinsured motorist coverage to help ensure that you are protected in the event of an accident with an uninsured or underinsured driver.

In addition to these core insurance products, NYCM Insurance also offers a range of optional add-ons and services, including roadside assistance, rental car coverage, and pet injury coverage.

NYCM Insurance Costs

The cost of car insurance with NYCM Insurance can vary widely depending on a number of factors, including your age, driving record, location, the type of car you drive, and the level of coverage you select. That being said, NYCM Insurance is known for offering competitive rates, and the company has a number of discounts available to help customers save money on their premiums.

The average annual cost of car insurance in New York is around $1,548. However, this is just an average, and the cost of car insurance with NYCM Insurance could be higher or lower depending on your individual circumstances.

To get an accurate quote for car insurance with NYCM Insurance, you’ll need to provide some basic information about yourself and your vehicle, such as your age, driving record, and the make and model of your car.

By taking advantage of these discounts, you may be able to save a significant amount of money on your car insurance premiums with NYCM Insurance.

NYCM Insurance Discounts

NYCM Insurance offers a range of discounts to help customers save money on their car insurance premiums. Here’s a closer look at some of the discounts that are available:

  • Safe driver discount: NYCM Insurance rewards drivers with a clean driving record with a safe driver discount. To qualify for this discount, you must have no accidents, moving violations, or claims in the past three years.
  • Multi-car discount: NYCM Insurance offers a multi-car discount to customers who insure two or more cars on the same policy. This can help lower the overall cost of insurance premiums for families or households with multiple drivers.
  • Good student discount: NYCM Insurance offers a good student discount to drivers who maintain a certain GPA. To qualify for this discount, you must be a full-time student under the age of 25 and maintain a B average or higher.
  • Defensive driving course discount: NYCM Insurance offers a discount to drivers who complete an approved defensive driving course. This can help lower the cost of insurance premiums and also improve your driving skills.
  • Anti-theft device discount: NYCM Insurance offers a discount to drivers who install an approved anti-theft device in their vehicle. This can help lower the risk of theft and may also lower the cost of insurance premiums.

In addition to these discounts, NYCM Insurance also offers discounts for bundling policies, such as home and auto insurance, and discounts for paying your premium in full or setting up automatic payments.

It’s worth noting that not all discounts are available in all states, and the amount of the discount can vary depending on a number of factors. To find out which discounts you may qualify for, it’s best to contact NYCM Insurance directly and speak with a representative.

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States Where NYCM Insurance is Offered

NYCM Insurance primarily offers car insurance to drivers in the Northeastern United States. NYCM Insurance provides car insurance coverage in the following states:

  • New York
  • New Jersey
  • Connecticut
  • Pennsylvania
  • New Hampshire
  • Vermont
  • Massachusetts

If you live in one of these states and are looking for car insurance coverage, NYCM Insurance may be a good option to consider. It’s worth noting, however, that the availability of specific insurance products and discounts can vary by state, so it’s best to contact NYCM Insurance directly to find out more about the coverage options that are available in your area.

Customer Reviews of NYCM Insurance

Customer reviews of NYCM Insurance are generally positive, with many customers praising the company’s competitive rates, responsive customer service, and range of discounts. Here’s a summary of what customers are saying about NYCM Insurance:

  • Competitive rates: Many customers report that NYCM Insurance offers some of the most competitive rates they’ve seen, particularly for drivers with clean driving records or multiple cars to insure. Some customers report saving hundreds of dollars a year by switching to NYCM Insurance.
  • Responsive customer service: Customers also frequently praise NYCM Insurance’s customer service, noting that representatives are friendly, knowledgeable, and quick to respond to questions or concerns. Many customers report having positive experiences with claims processing, and some note that the company offers convenient online tools and mobile apps for managing policies and filing claims.
  • Range of discounts: Another point of praise for NYCM Insurance is its range of discounts. Many customers report taking advantage of discounts for safe driving, multiple cars, good grades, and other factors, and note that the discounts have helped them save significant amounts of money on their premiums.
  • Limited availability: One potential downside of NYCM Insurance is that it’s only available in a handful of states in the Northeastern United States. Some customers who have moved to other parts of the country report being disappointed that they can no longer use NYCM Insurance.
  • Mixed experiences: While most customers report positive experiences with NYCM Insurance, there are some who have had negative experiences. Some customers report issues with claims processing or billing, while others note that premiums can be higher for drivers with less-than-perfect driving records.

Overall, NYCM Insurance appears to be a solid choice for drivers in the Northeastern United States looking for affordable car insurance with a range of discounts and responsive customer service.

As with any insurance company, it’s important to shop around and compare quotes to make sure you’re getting the best deal for your individual needs and circumstances.

In Summary: NYCM Insurance

NYCM Insurance is a car insurance company that primarily serves drivers in the Northeastern United States, offering a range of insurance products and services including liability, collision, and comprehensive coverage. The company is known for its competitive rates, responsive customer service, and range of discounts, including discounts for safe driving, multiple cars, good grades, and more.

While some customers have reported issues with claims processing or higher premiums for drivers with less-than-perfect driving records, most customers report positive experiences with NYCM Insurance and praise the company’s affordability, customer service, and range of discounts.

Overall, if you live in one of the states where NYCM Insurance operates and are in the market for car insurance, it’s worth considering this company as a potential option. However, as with any insurance company, it’s important to shop around and compare quotes to make sure you’re getting the best deal for your individual needs and circumstances.

By doing your research, comparing rates and coverage options, and taking advantage of available discounts, you can find a car insurance policy that provides the coverage you need at a price you can afford.

Reviews
for NYCM Insurance (New York Central Mutual)

3.73 (141 reviews)
5
November 1, 2022

jaahrens

EASY no fuss auto claim and repair!

My husband ran into a parked car and caused damage to both cars. I called NYCM and their entire process from start to finish was smooth, painless, quick and very friendly. I can't say enough good things about the whole thing. We took our own damage photos thru an app on the phone, had a rental car and got our repairs completed in under a week.
2
October 24, 2022

M1157

Lousy customer service

This company is the worst! Their customer service is a joke. You we'll spend more time on hold than you were will talking to a person. I have a claim in and they cannot get parts for the car (we are in a serious parts shortage due to covid). You have 30 days of a rental and then they throw you off regardless of whether or not the car has been fixed. I will spend more out of pocket for this claim that I will for the entire year of paying for the i...
This company is the worst! Their customer service is a joke. You we'll spend more time on hold than you were will talking to a person. I have a claim in and they cannot get parts for the car (we are in a serious parts shortage due to covid). You have 30 days of a rental and then they throw you off regardless of whether or not the car has been fixed. I will spend more out of pocket for this claim that I will for the entire year of paying for the insurance. I will be looking elsewhere very soon.
1
January 26, 2022

AS_21788

Absolutely Abhorrent. Don't insure with NYCM!

Truly horrible customer service. I've never made the effort to write any review about insurance... ever - but dealing with NYCM was SO bad, I'm compelled to prevent anyone I know/care about from insuring with them. They will nickel and dime you for ANYTHING, insult the quality of your belongings (I was told that I shouldn't expect to have anything new/OEM put on my car because it's older than 3 years, and "not worth much anymore", they won't upd...
Truly horrible customer service. I've never made the effort to write any review about insurance... ever - but dealing with NYCM was SO bad, I'm compelled to prevent anyone I know/care about from insuring with them. They will nickel and dime you for ANYTHING, insult the quality of your belongings (I was told that I shouldn't expect to have anything new/OEM put on my car because it's older than 3 years, and "not worth much anymore", they won't update notes so every time you call to try and make any progress, you're starting from scratch, or even do what they say they will. It took 3 DAYS after having and reporting a claim for them to AUTHORIZE a rental car. For three days, I had no method of transportation, and they kept telling me to pay out of pocket and "try to submit for reimbursement"... are they kidding? ... even when they finally authorized the rental, it was a fight to have them pay for anything over a subcompact (when there's full rental coverage - they just say "we don't HAVE to give you anything over a subcompact"). I own/drive a large SUV... it's a joke. Like Kind/Quality - NOPE! When you ask for them to email these policies in writing (used parts/won't cover more than a subcompact), they refuse - my guess is because they know their practices aren't kosher and would risk a review from the NYS Dept of Insurance and Finance! As if ALL THAT wasn't bad enough, you'll have men talk over/interrupt you, over and over, even as you finish a single sentence. Dealing with misogynist men is the last thing I want to have to experience when going through an already painful accident/claims situation. The repair shop (vehicle dealership) is already having trouble REACHING anyone there to authorize the work, and the "initial estimate" someone thought they could work up with pictures on a dirty car won't cover even a portion of what will need to be done. I can't WAIT for that fight next. JUST. TRULY. AWFUL. As I write this, I am paying out of pocket for an adequate size rental car. I have extremely low expectations that the vehicle repair doesn't involve yet another fight, time, and stress. Honestly - never, never insure with them. The whole point is to get the coverage when you need it, and they FAIL worse than any competitor out there.
1
March 24, 2021

Shannen

Terrible customer service

This company is pathetic, rude, prejudice with terrible customer service the claims supervisor hung up on me which is very rude and when you ask to speak someone higher they say there is no one else. They have you on hold for more then 15 minutes every time you call. I filed a claim for my vehicle and they denied the claim and canceled my policy. This company is cheap and does not look out for their customers, they are not on your side at all I...
This company is pathetic, rude, prejudice with terrible customer service the claims supervisor hung up on me which is very rude and when you ask to speak someone higher they say there is no one else. They have you on hold for more then 15 minutes every time you call. I filed a claim for my vehicle and they denied the claim and canceled my policy. This company is cheap and does not look out for their customers, they are not on your side at all I’m very dissatisfied with this company, do not trust these people.
3
December 27, 2020

yahea12345

review

good but need a lot of improvements because there are many tips that this company completely ignore and with no good reason
5
October 2, 2020

rootsguy

Professional, Friendly and Reliable

A truly professional yet friendly office. They are always there when we need them and have yet to let us down.
5
May 4, 2020

robertjlynn

best services

this is a company that provides top class services in New York city. I am very satisfied with this insurance company.
5
December 9, 2019

lpoly3424

Good company

Good company to work with and helpful/knowledgeable customer service. They provide their bills on time and good communication
5
November 22, 2019

billie9237

great insurance

I love this company the agents are great nice kind and courteous and I searched among all the other insurance companies for the cheapest price
3
October 13, 2019

carter2

High Rates

This carrier has a good customer service department. The rates do tend to run on the higher side. Their claims department is good. I did have a slight issue when I needed to extended my rental car due to a car accident. For the high rates I would expect better.
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