Discounts Are you receiving all the discounts you're entitled to? You can reduce your insurance premium if you qualify for one or more of our discounts.    Property Discounts:   Automobile Discounts:    Claims Free  Multi-Vehicle   New Home (15 years old or newer)    Long-Term Policyholder  Monitored ULC Alarm System  Auto-Property Combined   Property-Auto Combined  Retiree Discount (65 years of age)   New Outbuilding Discount  Short Distance Commute   Retiree Discount (65 years of age)    Automatic Generator Discount