The Coverage You Need

Personal

Personal Coverage

  • Automobile

  • Motorcycle

  • Motorhome/Mobile home

  • Homeowners Package

  • Renters Insurance

  • Condo policies

  • Pet Insurance

  • GAP Coverage

  • Floaters

  • Umbrellas

  • Flood Insurance

  • Yachts & Motorboats

Homeowner Discounts

  • Higher deductibles decrease premium

  • Mature Credit is offered to those age 55 and over
  • Multi policy account credit when you insure your auto and home with the same company
  • Renewal credit allowed starting after the first year and increased annually up to four years
  • Alarm systems such as ADT allow for additional credit
  • Credit allowed for renovated or revitalized homes
  • Account Credit 20% when we write your auto

Note: Some discounts are specific to certain companies

Auto Discounts

  • Age 65 or older (As stated – 25% discount)

  • Passive restraint (Discount allowed for airbags and seatbelts – 25% parts 2,3,6, and 12)
  • Annual Mileage (2% – 20%) This discount will now vary by years licensed, territory and miles driven
  • Multi policy account credit when you insure your auto and home with the same company
  • Anti-Theft (Discount allowed for vehicle alarm system from 5% – 36% on part 9)
  • Multiple Cars (8% Discount parts 1,2,4,5,7,8, and 9)
  • Loyalty Plus (Now includes AAA, number of years with AAA, number of years with Commerce/MAPFRE)
  • Group Discount (AAA members, Town of Paxton Employees and Pan Mass Challenge donors
  • Higher physical damage deductibles (Rates Vary)
  • Good student
  • Student away from home (A student over 100 miles away from the vehicles place of garaging)
  • Renewal Credit
  • Accident forgiveness
  • Disappearing deductible
  • Paid in full discount
  • Umbrella discount
  • Green discount

Note: Some discounts are specific to certain companies