Available Discounts

Personal Automobile Discounts

Senior Citizens
A 25% discount is available for a principle operator who is 65 years of age or older.

AAA members receive additional savings on their automobile policy through Commerce Insurance as well as additional coverages at no additional cost! Additional coverages include, but are not limited to:

  • Replacement cost coverage on new vehicles
  • Cell phone replacement coverage up to $200
  • Laptop computer replacement up to $1,000
  • Substitute transportation limit purchased is increased by an additional $30 per day up to a maximum of $900
  • Up to $250 per day loss of earning payment due to hearing/trial
  • Personal belongings replacement up to $250
  • Pet injury coverage up to $500 for your veterinary fees, or $500 for your pet's burial fees (cats and dogs only)
  • Seat belt and/or air bag death benefits

Multi-Car Discount
A multiple-vehicle discount may be available if an individual or married couple own two or more automobiles insured by the same insurance company. Antique vehicles and motorcycles are not eligible for this discount.

Passive Restraint Discount
Discounts may be available if your automobile has airbags and/or automatic seatbelts

Annual Mileage Discount
A 10% discount is available for vehicles that are driven less than 5,000 miles annually and a 5% discount is available for vehicles driven less than 7,500 miles annually.  Antique vehicles and motorcycles are not eligible for this discount.  Annual mileage is verified by the Registry of Motor Vehicles.

Anti-Theft Discount
Anti-theft discounts are available for automobiles with various types of qualifying devices. Please note that customers with On-star must provide a copy of their renewed service agreement each year to continue receiving the discount. Please contact our agency for more information on anti-theft discounts available for your automobile.

Drivers Education Discount
A discount is available for the first three years after an inexperienced operator driver has completed an approved training course.

Good Student Discount
Student Away from Home Discount


Homeowner Discounts Available

  • Multi-Policy Credit/Account Credit
  • Protective Devices Credit
  • Renewal Discount
  • New Home Discount
  • Mature Homeowner Credit
  • Deductible Amount Credit

Thompson & Linscott Agency
32 Park Street
Adams, MA 01220-2085
413-743-0572
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