Ways to Save
As part of our mission to provide protection service excellence, Gersh Insurance is always
evaluating the best insurance service at the best rates for our customers.

The following table compares two of our auto insurance carriers so you can evaluate the
services they offer to determine potential savings applicable to your situation:
Copyright © 2023 Stephen W. Gersh Insurance Agency, Inc.  All rights reserved.
Program*
 Plymouth Rock
 Commerce
Loyalty discount
 X
 X
Accident forgiveness
 X
  
Collision deductible credit
 X
  
Door to door valet claim service
 X
  
Email reminders for registration, license,
inspection renewals
 X
  
Savings from auto-related retailers
 X
  
SBLI discount
 X
  
Policy and installment bills sent electronically
 X
  
Motor club or AAA discount
 X
 X
Advanced driver training discount
 X
 X
Actual cash replacement value
 X
 X
Annual mileage discount
 X
 X
Multi car discount
 X
 X
Anti theft discount
 X
 X
Good student discount
 X
 X
Homeowners insurance discount
 X
 X
Student away at school discount
 X
 X
OEM parts replacement
 X
 X
Online policy, billing and payment access
 X
 X
Direct bill payment plans
 X
 X
Shop Smart discount when submitted 7 days
prior to effective date
   X
Enhanced auto coverage option
   X
Optional loan/lease coverage
   X
*35% maximum on credits
*Some restrictions may apply.  Please contact us for further details about all programs.


For more ways to save on your auto insurance, please see the Massachusetts
government Web site.

The following table depicts potential homeowners insurance credits and benefits
depending upon your particular situation:
Program*
 Credit/Benefit
Loss free (1 to 8 years)
 5% - 18%
Non-smoker (1 year)
 5%
Mature homeowner (55 years and over)
 5%
No wood/coal stove
 5%
No animals (other than fish or birds)
 3%
No swimming pool
 2%
Renewal credit (1 to 10 years)
 1% - 10%
New home credit
 3% - 20%
Alarm system credit
 2% - 13%
Lock replacement
 $500
Additional credit card coverage
 $500
Refrigerated goods coverage
 $500
Sewer and water backup protection
 $2,500
Mortgage renegotiation expense
 $2,500
Catastrophe debris removal increase
 $1,000