Various Insurance Discounts Available

Homeowner / Auto Combination: Individuals who insure both their automobile and home can receive extra savings! You may save up to 20% on your homeowners (home, apartment, or condominium) premium and up to 15% on your automobile premium when you insure both lines of insurance through the same company. To take advantage of these MA insurance discounts, speak with your O’Connor & Co. Insurance agent.

Anti-Theft Discount: Cars with qualifying anti-theft devices, such as car alarms, are eligible for an anti-theft discount.

Driver Training Discount: Inexperienced drivers who complete a certified training course may be able to get a discount.

Student Away at School: Inexperienced operators who are students that resides more than 100 miles from the place of principal garaging and who don’t have regular access to the vehicle could get an auto insurance discount.

Good Student Discount: Inexperienced operators who are college or high school students with a B (3.0 GPA) or higher average with less than 3 Merit Rating points. *Cannot be applied in conjunction with the Student Away at School discount.

Age 65 or Older: Experienced operators who are age 65 or older could be entitled for extra auto insurance discounts.

Educator Discount: Some of our providers have been offering substantial private passenger discounts to educators since 1986. We continue this tradition by offering educators, who are members of the associations/groups listed below, a discount on their Massachusetts private passenger automobile policies effective April 1, 2009 and subsequent. We encourage you to speak with your association representatives or school administrators about putting a program together with a local Commerce agent.

Safe Driver Discount: A good track record on the road should count for something. The Safe Driver Insurance Plan (SDIP) adjusts premiums to fairly reflect the driving records of customers. The Plan encourages safe driving by rewarding drivers who do not cause accidents or incur traffic law violations with a credit to their automobile insurance premiums, and discourages unsafe driving by requiring high-risk drivers to pay a greater share of insurance costs. Massachusetts law provides the right to a hearing to appeal an at-fault accident surcharge before an impartial hearing officer of the Board of Appeals.

Low Mileage Discount under 15,000 miles: A discount of 2% up to 12% could be applied to your Private Passenger Automobiles that are driven 15,000 miles or less annually and have been owned for 6 months or more. Antique automobiles are not eligible for this discount.

Low Mileage Discount under 8,000 miles: Drive Less. Pay Less. It’s That Simple. Save up to 20% with the low mileage discount when your car is in the driveway more than it is on the road. With gas prices on the way up, you may be taking the bus and using mass transit more than you drive your car. If you drive less than 8,000 miles a year, you can pay less for car insurance with the low mileage discount.

Continuous Insurance Discount: Customers who have no gaps in their coverage are eligible for this discount of up to 15%

Hybrid/Electric Vehicle Discount: You can now get a discount of up to 10% on your auto insurance if you own or lease a hybrid or electric car. That means a car that’s environmentally friendly is not only good for the earth – it’s also good for your wallet.

New Car Discount:  If you bought a car that is less than three years old, you may qualify for this discount of up to 10%.

Multiple-Car Discount: You may be eligible for a discount of up to 8% if you insure more than one car.

Home Ownership Discount: You may be eligible for a discount of up to 5% on your auto insurance if you own your own home or condo and insure it elsewhere.

Payment Discounts: You may be eligible for payment discounts depending on how you choose to pay your premium. You can get a discount by paying your auto policy premium in full, by paying through electronic funds transfer (EFT) or payroll deduction, and by paying your premium on time.

Multi-Policy Discounts: You could get up to 10% Account Credit when you purchase a Business owners, Commercial Auto, Commercial Package, Commercial Umbrella, Dwelling Fire, Homeowners or Personal Umbrella policy from one of our providers. You may get up to 6% account credit when you purchase a Condominium or Renter(s) policy from certain providers.

E-Customer Discount: Up to 7% when you qualify for an Account Credit and select combined account billing with electronic policy issuance.

Loyalty Discounts: You could get up to 4% for continuous years insured with some of our providers.

Teen Safe Driver Discount: Safety for Teens. SAVINGS for PARENTS When you sign up and agree to share how well your teen drives, you’ll receive a 15 percent discount* and a chance to demonstrate that inexperience does not necessarily equal irresponsibility. This allows you to save money on your insurance and help responsible teens gain more driving experience. Not all our providers offer this option. Check with your customer service representative. 

How It Works: 

  • To take advantage of the Teen Safe Driver Discount, all you need to do is to install a small device in the car your teen drives most often. It is easy to install and automatically gathers information on your teen’s driving behavior. After a short evaluation period we‘ll let you know if you’ve qualified to keep the discount until your teen’s 20th birthday.



Shop Smart Discount: The Shop Smart Massachusetts insurance discount provides you with the opportunity to save up to 8% when you purchase a new policy with us at least 7 days prior to the expiration date of your existing policy or if you have maintained residency at the same location for at least 7 years. Some exceptions may apply.

Loyalty Plus Special Pricing: MA 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.

Insurance Paid in Full Discounts: In addition to saving on installment charges, some new customers who pay in full can save up to 4%. If you already have a policy with us, your initial renewal invoice will show an optional pay in full amount, which reflects the discount. If you pay the full amount by the effective policy renewal date, your discount will be automatically added to your policy. This discount can only be added effective on the policy’s effective date; the discount cannot be added mid-term.

Not all discounts are listed here but, we will always try and find the right combination for you.