California Personal Auto

Commerce West offers three Personal Auto Programs in California:

1. Select Auto Program – Preferred:
1. Proposition 103 Good Drivers acceptable only. Exception: Resident family member, full-time student, no violations or accidents and one parent insured with Commerce West.
2. Liability limits up to $250/$500,000
3. Variety of discounts
4. No business use
5. Can assign driver to vehicle most used
6. EFT and various pay plans available
2. Protection Auto Program – Non-Standard:
1. Non-Good drivers with up to 10 Commerce West points eligible.
2. Household members meeting licensing age must be listed or excluded.
3. Liability limits up to $100/$300/$50,000 limits. $30/$60,000 UMBI limits.
4. Variety of discounts
5. EFT and various pay plans available
6. Non-owner coverage
7. No business use
8. Permissive user only drop-down
3. Nation Safe Driver Auto Program – Non-Standard
1. Underwriting Guidelines in this program are identical to Protection Program above.
2. Includes membership in Nation Safe Driver Travel Program – no cost to insured
3. Discounted program with three pay plans

California Commercial Auto Programs

Commerce West offers one Commerical Auto program in California:

1. Commercial Auto
1. Artisan Contractor program
2. Fleets (5 or more vehicles) require prior approval
3. Limits from $15/$30/$10 to $1,000,000 CSL
4. Variety of discounts
5. Specialty Coverages
6. Full pay discounts; installment plans available
7. Maximum vehicle weight - 45,000 GVW
8. Superior Risk Discount

Arizona Personal Auto Program

Commerce West offers one Personal Auto Program in Arizona:

1. Arizona Complete Auto Program:
1. Multi-tiered product offering Internet rating.
2. Point of Sale MVR
3. Credit scored program
4. Variety of Discounts:
1. Persistency Discount
2. Homeowner Discount
3. Claims-Free Discount
4. Employment Stability Discount
5. AAA Membership Discount
6. Multi-Car Discount
7. Good Student Discount
8. Payment Plan Discount (20% for Full Pay)
9. Financial Merit Discount
10. Prior Carrier Discount
5. Variety of pay plans

Oregon Personal Auto Programs

Commerce West offers two Personal Auto Programs in Oregon:

1. Complete Program:
1. Credit scored program
2. Tiered to accommodate a variety of driving records
3. Liability limits up to $250/$500,000
4. Variety of discounts
5. Non-Owner Coverage
6. Personal and Business use are available
7. Variety of pay plans
2. Protection Program:
1. Non-Credit scored program
2. Drivers up to 10 rating points
3. Liability limits up to $100/$300,000
4. Variety of discounts
5. Personal and Business use are available
6. Variety of pay plans