Account Discount

Individuals who insure both their automobile and home with Commerce receive extra savings! You save 20% on your homeowners (home, apartment, or condominium) premium and up to 15% on your automobile premium when you insure both through Commerce 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.

Annual Mileage

A discount of 1% up to 12% will be applied to your Private Passenger Automobiles that are driven 12,500 miles or less annually and have been owned for 6 months or more. 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 8% discount is provided to insureds or married couples residing in the same household that have two or more private passenger vehicles insured by Commerce. Motorcycles, motor homes, and antique automobiles are not eligible for this discount.

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 or the full balance on the first renewal bill 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.

Green Discount

Personal automobile policies effective 11/01/10 and later are eligible to receive a 3% discount on applicable coverage parts if you are enrolled in our Electronic Funds Transfer (EFT) payment plan or Electronic e-Bill (invoice) program combined with the Electronic Delivery of Forms (EDF) option.