I have my 65 and 66 insured with Heacock, with renewal due in August. I did not realize that they offered a MCA discount. As I was looking through the coverage statement, I did not see where any discount was shown. Interesting is the fact that I was never asked about MCA membership or have I mentioned it to them. I called the Heacock office and asked about the discount, they are making an adjustment to the renewal premium and for the current year to reflect the MCA discount. Just for advice, If you talk to Heacock, make sure they know you are a MCA member.