American Commerce Car Insurance Review [2020]

American Commerce car insurance sells a complete line of insurance products, including car, home, and umbrella coverage. American Commerce has an "A" financial rating from A.M. Best.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 13, 2021

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It’s all about you. We want to help you make the right coverage choices.

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Company Details
Address: 211 Main Street
City: Webster
State: MA
ZIP Code: 01570-0758
Phone Number: 508-943-9000
Year Founded: 1946
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • American Commerce Insurance Company offers car insurance along with other types of insurance coverage
  • The company offers 24/7 service and was rated highly by A.M. Best and Business Week
  • Before you decide on an insurance company, be sure to compare rates online

American Commerce Insurance Company has been in operation selling car insurance since 1946.

In addition to insurance for automobiles, motorcycles, and recreational vehicles, American Commerce Insurance provides homeowners insurance, and renters insurance, and also offers a personal umbrella policy.

This American Commerce car insurance review will help you decide if this company can meet your needs, and then be sure to enter your zip code above for FREE quotes from multiple companies!

How to get American Commerce Insurance coverage?

For auto insurance, American Commerce Insurance Company offers private passenger cars, conversion cars, and classic, antique and exhibition cars as well as golf carts.

Additional coverage includes extended package options, accident forgiveness, same make and model total loss replacement, and towing and rental reimbursement.

To reduce your premiums, you can receive multiple discounts and credits from American Commerce Insurance. Some of their programs include:

  • Advance Shopping
  • Defensive Driver
  • Informed Driver
  • Loyal Customer
  • Homeowner
  • Good Student
  • teenSMART®
  • Multi-policy
  • Motorcycle License

You can also reduce your premiums by paying for your insurance policy upfront and in full and by choosing Electronic Funds Transfer (EFT).

Additional savings are available for safety and security devices, such as airbags, anti-lock brakes, passive restraints, and alarm systems.

In addition to being rated A+ by A.M. Best, American Commerce Insurance Company is part of The Commerce Group, Inc. MAPFRE S.A.–a Spain-based insurance company.

They have over 50,000 independent agents worldwide and are present in more than 40 countries.

As part of MAPFRE Insurance, American Commerce has been ranked by Business Week as one of the 40 world’s best companies. Partnering with the American Heart Association, American Commerce annually sponsors the Start! Heart Walks event in Columbus, Ohio.

They also contribute to American Red Cross, Operation Feed, United Way, and Toys for Tots.

In addition to being active in the community, American Commerce offers 24/7 service to their car insurance clients.

When it comes to filing claims, you should report your claim as soon as possible. You can contact them directly, report your claim online or call your insurance agent. MAPFRE insurance claim representatives will gather the initial claim information and will assign you a claim representative to handle your needs. Moreover, a MAPFRE Insurance Appraiser will be assigned to inspect your vehicle and write a damage appraisal.

You can repair your vehicle at a repair shop of your choice, however, you can also participate in the CAR EZ program for additional benefits.

Compare American Commerce rates with other companies now by entering your zip code below!

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