Account Discount

A 8% discount is applied to the premium of private passenger automobile policies who also insure their property (home, rental or condominium) with Commerce Insurance or an approved insurer.

Loyalty Discount

A loyalty discount of up to 4% is applied to eligible policyholders.

Age 65 or Older Discount

A 25% discount for all coverages will be applied if the principle operator is 65 years or older, there are no inexperienced drivers (0-6 years of driving experience), and the automobile is not customarily used in business. Commerce automatically applies this discount for eligible customers.

Passive Restraint Discount

A 25% discount off of the premium paid for Parts 2, 3, 6, and 12 is available if your automobile is equipped with an air bag or automatic seat belts. (See the MA Auto Policy section of this web site for a brief description of the coverage parts.)

Annual Mileage

A 10% discount off of the premium paid for Parts 1 through 8 and Part 12 is available if your estimated annual mileage falls between 0 and 5000 miles. A 5% discount off of the premium paid for Parts 1 through 8 and Part 12 is available if your estimated annual mileage falls between 5001 and 7500 miles. Note that antique automobiles are not eligible for this discount.

Anti-Theft Discount

Anti Theft Discounts of up to 36% off of the premium paid for Part 9 are available for automobiles with various types of qualifying anti-theft devices.

Multiple Car Discount

A 5% discount for Parts 7 or 8 is available if an individual or married couple own two or more automobiles insured by the same company. The discount applies only to automobiles that have no inexperienced operators and are not customarily used in business.

Drivers Training

A 10% discount for Parts 1, 2, 4, 5, and 7 is available to operators licensed for less than 3 years upon completion of an approved Driver Training Program.

Good Student

The policyholder can take advantage of a 10% discount if the youthful assigned driver qualifies.

Student Away From Home

The policyholder can take advantage of a 10% or 15% discount if the youthful driver qualifies.

Paid In Full

Pay the full premium with New Business (effective 09/01/09 new business) or the full balance on the first renewal bill (effective 11/01/09 renewals) and no finance fee or service charge is applied. You will also receive an additional 5% discount on coverage parts 1-12 when the annual premium is paid in full.