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Commerce Insurance Discounts for New Hampshire

Written by Michele Wilmonen. Posted in Research Last Updated: 04/30/2015

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

Commerce Insurance discounts are available for all of their 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 Massachusetts, please visit here.

Commerce  Insurance Vehicle Discounts

  • Anti-Theft Discount – up to 20% off of the premium for qualifying anti-theft devices.
  • Passive Restraint Discount – Up to 30% off of the medical payments coverage premium if your vehicle has factory installed automatic seatbelts.
  • Anti-Lock Brakes – 5% discount off Bodily Injury and Property Damage Liability coverage on vehicles that have factory installed four wheel anti-lock braking system.

Commerce  Insurance Policy Discounts

  • Account Discount – Up to 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 – Up to a 25% discount for households that have two or more 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.
  • Financial Management Credit  – A credit of up to 34% is available to eligible customers. Contact your Commerce Insurance agent for more information.
  • AAA Member Discount – This is a 4% discount for those that have a valid AAA membership in effect.

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.

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.” (http://www.commerceinsurance.com/Other-Auto-Insurance-Discounts-MA/)
  • 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.

21st Century Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/28/2015

Finding ways to save money with 21st Century Insurance Discounts is a basic affair.

The 21st Century car insurance discounts that we were able to find were pretty basic. These are the same discounts that you can find with just about any other car insurance company.  However, the one thing that we did find was that they broke down their discounts by state.

For more information about the specific 21st Century car insurance discounts offered in your state visit their website.

21st Century Vehicle Discounts

  • Anti-Lock Braking System Discount – A discount of 5% is available on Bodily Injury Liability (BI) coverage and Property Damage Liability coverages.
  • Anti-Theft Device Discount – Receive up to 5% off the Comprehensive Coverage premium. See your 21st Century car insurance agent for the details on what anti-theft devices qualify.
  • Air Bags/Automatic Seat Belts Discount – Having air bags and automatic seat belts in yoru car could save you up to 30% on specific coverages. (Automatic seat belts are belts that lock in place without assistance)

21st Century Drivers Discounts

  • Driver Training Discount – Drivers under age 21 who complete a state approved driver training course are automatically entitled to discounts on their policies.
  • Away at School Credit – If a young unmarried female operator or a young unmarried male operator is a student residing at college
  • Good Student Discount – The good student discounts are valid for one year. Contact your 21st Century car insurance agent for the details.

21st Century Policy Discounts

  • Multi-Car Discount – When you put 2 or more vehicles on you 21st Century  car  insurance policy you can receive up to a 30% discount on certain car insurance coverages.

Please note though, that because we are not 21st Century Insurance we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current 21st Century car insurance discounts that are offered by the company, contact your 21st Century insurance agent or enter your zip code at the top of the screen for a personalized quote.

 

Arbella Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/20/2015

Finding ways to save money with Arbella car insurance discounts.

Arbella car insurance discounts range from getting a discount for being deployed active military to driving an electric car. You just never know what discounts you might qualify for with them until you contact them.

Arbella Vehicle Discounts

  • Hybrid/Electric Car Discount – Up to a 10% discount  for driving a hybrid or an electric car.
  • Anti-theft Discount – For certain anti-theft devices, Arbella Will Discount Your Car Comprehensive Coverage Insurance Premium As Much As 36%

Arbella Drivers Discounts

  • Good Student Discount – Full-Time Students who have less than six tears of driving experience, and are on the Dean’s List/Honor Roll Or Maintain A “B” Or Higher Average can qualify for a discount.
  • Safety-Training Discount – New drivers who complete a safety-training program that includes both an Arbella-approved online training curriculum and a driver simulator can save up to 7%.
  • Additional Driver Training Discount – Up to a 5% discount for new and inexperienced drivers who successfully complete both the basic driver training course and another qualifying program.
  • Motorcycle Rider-Training Discount – Up to a 10% discount for those hat have completed an approved motorcycle rider-training program.
  • Experienced Operators Discount – Drivers age 65 Or older may be eligible for a discount of up to 25% Discount

Arbella Policy Discounts

  • Paid In Full Discount – Save 3% just for paying your premium in full.
  • Multi-policy Discount – You could be eligible for Savings of up to 10% if you have other personal insurance With Arbella or a qualifying company.
  • Multi-vehicle Discount – Having more than one car insured with Arbella can save you another 2%.
  • Loyalty Discount – Every year you renew your Arbella car insurance policy, you may be eligible to earn an additional 1% of your premium.

Arbella Lifestyle Discounts

  • Deployed Militay Discount – Drivers who are deployed on duty more than 100 miles from where their car Is garaged can qualify for a 10% discount.
  • Away College Student Discount – Earn up to a 10% discount when your college student goes off to school more than 100 miles away and leaves the car at home.

Arbella Special Discounts

  • Annual Mileage Discount – If your annual mileage is less than 10,000 miles a year you could get a discount for that too.

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

American Family Car Insurance Discounts

Written by Michele Wilmonen. Posted in Research Last Updated: 04/19/2015

Finding ways to save money with American Family car insurance discounts.

American Family Car Insurance Discounts are offered for a wide variety of reasons by American Family Insurance, including some that you don’t always see from other companies.  If you don’t already have American Family and some of these discounts apply to you, you may want to look into getting a quote from them.

American Family Vehicle Discounts

  • Air Bag Discount – Discount rates range from 10 to 30 percent for private passenger vehicles that are equipped with factory-installed air bags.

American Family Driver Discounts

  • Accident-Free Discount– In certain states, good drivers are eligible for a 5 percent discount if you’ve insured your vehicle with American Family Insurance for three consecutive years without an accident. After 6 years without an accident, you could be eligible for a 10 percent insurance discount.
  • Good Driver Discount – Drivers that have no accidents, violations or claims could receive 5 to 10 percent off their premiums.
  • Defensive Driver Discount – 5 to 10 percent discount for those that have completed an approved defensive driving course and meet specific age requirements.
  • Good Student Discount – This discount varies based on certain factors that your American Family Car Insurance agent can go over with you.
  • mySafetyValet — Based on driving performance, this discount could save you 5% at first and then after six months into the program, up to 30%. Discount percentages vary. This program is not available in all states.

American Family Policy Discounts

  • EarlyBird Discount – If you’re an auto customer holding an active policy with another carrier and receive a quote from us at least seven days before it goes into effect, there may be a discount in it for you. Discount percentages will vary
  • Multiple Vehicle Discount – Insure one or more vehicles on the same policy and you could paying less than if they were insured on separate policies
  • Steer into Savings Discount – Switching to American Family from another insurance company could qualify you for a discount

American Family Special Discounts

  • TimeAway Discount – For drivers up to 24-years-old who are attending school 100 miles or more away from home and do not have the insured vehicles could be eligible for a discount.

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

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Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.