1. Use a Comma to Separate the Day, Month and Year From the Rest of the Sentence:
He was born on July 14, 1952, in St. Louis.
2. Use a comma to separate cities and states (or other geographical pairs) from the rest of the sentence:
St. Louis, Missouri, is located along the Mississippi River.
3. To avoid confusion in multiple items in a series, we use a semicolon.
During our trip we visited St. Louis, Missouri; Wichita, Kansas; and Denver, Colorado. (Some authorities -- the AP, for example -- advocate omission of the final semicolon.)
Note: Strictly speaking, this is really a semicolon rule, but illustrates how a comma is actually "promoted" to a "flashing sign" in directing traffic in a sentence.
4. Use commas to set off nonrestrictive relative clauses:
My brother, who is a carpenter, made the cabinet.
Nonrestrictive means that the sentence makes sense without what comes between the commas. In the above sentence, "My brother made the cabinet" gets along fine without the "who is a carpenter."
5. Omit commas for restrictive relative clauses:
I really dislike people who are loud and obnoxious.
Restrictive means that the sentence would not make much (or the same) sense without the relative clause. In this case “who are loud and obnoxious” restricts the people being mentioned.
6. Use commas to remove ambiguity.
While Mom was sewing, the baby got into mischief.
This is also an example how a comma is used to set off an introductory clause. A better example might be:
I like peanut butter, and jelly sandwiches; or
I like peanut butter and jelly sandwiches.
In the first example, I like peanut butter, and I like jelly sandwiches as well. In the second, I like sandwiches made from peanut butter and jelly mixed together.