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Commerce Insurance Discounts for Massachusetts

Written by Michele Wilmonen. Posted in Research Last Updated: 11/17/2015

Finding ways to save money with Commerce Insurance Discounts in the state of Massachusetts.

Commerce Insurance discounts are available for all of thier policies and most current or future clients will qualify for at least some of the discounts. For your convenience, Commerce Insurance has provided a breakdown of the discounts available for each of the two states (Masschusetts and New Hampshire) they write in.

For the Commerce  Insurance discounts available in New Hampshire, please visit here.

Commerce  Insurance Vehicle Discounts

  • Anti-Theft Discount – up to 36% off of the premium for qualifying anti-theft devices.

Commerce  Insurance Drivers Discounts

  • Age 65 or Older Discount – 25% discount for all coverages will be applied if the principle operator is 65 years or older. Talk to your Commerce  Insurance for additional requirements that may need to be met.
  • Drivers Training – 10% discount for specific coverage for operators licensed for less than 3 years once they have competed an approved Driver Training Program.
  • Good Student – 10% discount if the youthful assigned driver meet specific grade qualifications. Contact your Commerce  Insurance agent for more information.
  • Student Away From Home – 10% to 15% off your premium for youthful drivers away from home that meet specific qualifications.

Commerce  Insurance Policy Discounts

  • Account Discount – 15% off your automobile premium when you insure home and auto through Commerce.
  • Loyalty Discount – Up to a 4% discount on your policy.
  • Multi-Car Discount – 8% discount for households that have two or more private passenger vehicles.
  • Paid In Full – 5% discount on specific coverage when annual premium is paid in full.
  • Green Discount – 3% discount on applicable coverage parts for scheduling your bill to be paid electronically.

Commerce  Insurance Lifestyle Discounts

  • MA Educator Insurance Discount – Educators who are members of specific associations or groups qualify for a discount on their Massachusetts private passenger automobile policies. Contact your Commerce  Insurance agent for more details.
  • Annual Mileage – Up to 12% will be taken off your policy for vehicles that are driven 15,000 miles or less annually and have been owned for 6 months or more.  Exclusions do apply for certain vehicles.

Commerce  Insurance Special Discounts

  • Shop Smart MA Insurance Discount – Up to an 8% discount when you purchase a new policy with us at least 7 days prior to the expiration date of your existing policy.
  • Loyalty Plus Special Pricing – “….insurance customers who are AAA members can have their premiums reduced by up to 10% with special pricing based on their AAA membership and good driving record. In addition, non AAA members who have maintained continuous coverage with Commerce, and who would have previously qualified for the Loyalty Discount, will continue to receive reduced premiums, through Loyalty Plus Special Pricing. Eligible AAA members will continue to receive the AAA Package Endorsement at no charge. Please note that policies through MAIP are not eligible to receive the AAA Package Endorsement. Other exceptions may apply.” (
  • Group Auto Insurance Discounts – Please visit the Commerce Insurance website for details and a list of the more than 200 groups that qualify for group auto insurnace discounts.

Please note though, that because we are not Commerce Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Commerce Insurance car insurance discounts that are offered by the company, contact your Commerce Insurance agent or enter your zip code at the top of the screen for a personalized quote.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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