Plymouth Rock car insurance offers some pretty reasonable rates, even for young drivers and those with an accident history. However, individual drivers’ rates vary depending on their accident history, vehicle make and model, address, and more.
The carrier offers several unique policy endorsements, including coverage for accidental airbag discharges, electronic key replacement, and a waiver of deductible option. There’s also a Get Home Safe option, included standard with all policies, which pays for the cost of a cab or rideshare if a policyholder doesn’t feel comfortable driving.
Some of these policy perks are available individually while others are only available as part of a package. However, there are several packages to choose from.
Overview of Plymouth Rock Car Insurance
Plymouth Rock Assurance is a regional insurance company that offers insurance in a handful of northeastern states. It could be a decent option if you want to avoid working with a large car insurance company. Though the company has a smaller operation with a limited customer pool, Plymouth Rock offers impressive car insurance coverage options and discounts that compete with the insurance market’s major players.
Plymouth Rock policyholders can expect some unique benefits — like mobile claims service and one-time cab fare coverage — and can choose from four tiers of auto insurance coverage. Policies can be customized further by taking advantage of some additional optional protections on offer.
The company garnered mixed reviews from reputable third parties. While Plymouth Rock has exceptional financial strength and very few consumer complaints, its customer satisfaction was not rated positively.
Plymouth Rock car insurance plans and offerings
Plymouth Rock has a number of different insurance plans and offerings. In this section, we’ll go over several of the most popular auto insurance options.
Keep in mind that state-level auto insurance requirements vary. Before making your purchase decision, double-check your state’s plan and minimum auto insurance coverage requirements.
Bodily injury liability car insurance
If you cause a car accident, bodily injury coverage will pay for various costs associated with the other party’s injuries. These include:
- Medical care
- Legal expenses
- Lost income
- Pain and suffering
- Funeral expenses
Your bodily injury insurance will not pay for injuries that you sustained if the other party is at fault. In that case, you would have to rely on the other party’s insurance or on your own uninsured or underinsured motorist policy.
Many states legally require drivers to purchase bodily insurance. Plan holders can extend coverage limits with an umbrella policy.
For example, if your bodily insurance policy has a maximum limit of $250,000, you could buy an umbrella policy that would raise the coverage limit to $1,000,000. If an accident occurs, your primary policy will cover the first $250,000 and your umbrella policy will cover the remaining $750,000.
Collision coverage pays for repairs to your vehicle after a collision. Going back to our earlier example, after running into a storefront, your collision coverage would kick in to cover the cost of fixing your car.
Lenders often require borrowers to carry collision coverage. However, if your car is paid off, this form of insurance may be optional.
Property damage liability insurance
This type of liability insurance pays for property damages that the other party sustains in an auto accident when you’re found at fault. It does not cover damage to your own property, nor does it pay for medical bills. However, it may pay for legal fees and other costs associated with your accident.
For example, if you crash into a storefront, your coverage may pay both to repair the physical damage and to reimburse the owner for lost revenue caused by your accident. Virtually every state requires drivers to carry this form of insurance.
Medical payments coverage
This coverage option will pay for various medical costs incurred by you and sometimes passengers within your car even if you were at fault. Medical payment insurance may also cover funeral expenses.
Most states do not require drivers to purchase coverage. However, purchasing medical payment coverage may prove financially savvy in the event of an accident.
Uninsured motorist/underinsured motorist coverage
As the name suggests, this form of auto insurance coverage protects policyholders from collisions with drivers who either don’t have auto insurance or have inadequate coverage. Uninsured (UM) and underinsured motorist (UIM) coverage may be sold separately or together.
They may also be separated by the type of liability covered. For example, in some states, you will have to purchase uninsured motorist bodily injury (UMBI) coverage separately from uninsured motorist property damage (UMPD), while in other states, you can purchase them bundled together.
UMBI covers expenses related to injuries suffered by you and any passengers in your car at the time of the accident. UMPD pays to repair or replace your vehicle.
Many states legally require uninsured or underinsured motorist coverage. Even if you live in a state without a legal purchasing mandate, you should still consider UM and UIM coverage to protect against costly vehicle repairs and unexpected medical bills.
Personal injury protection
Personal injury protection (PIP) coverage covers medical expenses for all passengers in the policyholder’s vehicle regardless of who caused the accident. Drivers living in one of the 12 states that require PIP insurance will have to purchase coverage before legally getting on the road.
Additional coverage options by Plymouth Rock
All of the standard auto insurance coverage types can be purchased via Plymouth Rock — liability, collision, comprehensive, uninsured/underinsured motorist and medical payments. This insurance company also offers four tiers of extra coverage — each of which comes with some unique perks and benefits — along with some optional coverages that can be added to a Plymouth Rock policy.
- Accident forgiveness – For qualifying policyholders, Plymouth Rock won’t raise your premium following a surchargeable accident upon the policy’s renewal.
- Full glass coverage – The comprehensive deductible won’t be charged for glass-only claims.
- New car replacement – Applicable for vehicles newer than two years old, new car replacement coverage will replace a totaled car with a new one (same model year, make and model).
- Loan/lease gap coverage – If your vehicle gets totaled, the payout you receive may not be enough to cover the entire amount you owe for the lease or loan. This is due to deductions made for the depreciation of the car. Gap insurance is a coverage option meant to prevent such a situation, and Plymouth Rock will cover the difference.
How much does Plymouth Rock insurance cost?
When looking for the cheapest insurance policy, affordability should not be your only consideration. It’s advisable to compare quotes between different providers and consider other factors like customer satisfaction.
If you’re a driver who wants minimum coverage or full coverage, a teen driver or a driver with a violation, Plymouth Rock offers inexpensive auto insurance compared to its competitors.
Currently, the national average for a 6-month car insurance policy is $880, whereas Plymouth Rock is about $862 or roughly 2% in premium difference versus a typical policy. Plymouth Rock offers competitive rates in line with the national average.
The table below shows how Plymouth Rock auto insurance compares against other top insurers. Average Monthly Cost by Insurance Carrier
|Company||Avg. Monthly Premium|
|New York Central Mutual Fire||$84|
Similar to any insurance company, pricing for Plymouth Rock auto insurance does vary based on your age and generally will get cheaper the older you get. The table below shows Plymouth Rock’s car insurance premiums for different age brackets. Plymouth Rock Costs by Age Group
|Age Group||Avg. Monthly Premium|
Where is Plymouth Rock Insurance available?
Plymouth Rock primarily operates in New England and the Northeast United States. It sells insurance in five states: Connecticut, Massachusetts, New Hampshire, New Jersey and Pennsylvania.
How much car insurance do you need?
Most states require a minimum amount of car insurance, but you’ll likely want to have more than minimum coverage. Some drivers opt to get full coverage to help protect themselves against any type of accident. Remember, full coverage isn’t a type of policy, but generally a combination of required and optional coverages.
However, full coverage doesn’t include everything. Extras like roadside assistance and gap coverage may have to be added separately.
Full coverage car insurance may include:
|Coverage type||What it pays for|
|Bodily injury liability||Medical costs due to injuries or deaths from an accident you caused.|
|Property damage liability||Repair costs for property you damaged in an accident.|
|Uninsured motorist bodily injury liability||Medical costs after an accident with an uninsured driver.|
|Uninsured motorist property damage coverage||Repair costs after an accident with an uninsured driver.|
|Collision coverage||Repair expenses from traffic-related accidents, regardless of who is at fault.|
|Comprehensive coverage||Repair costs from events outside your control — including weather events, hitting an animal while driving, theft and vandalism.|
How to lower your car insurance costs
Not everything is in your control when it comes to car insurance rates, but there are some steps you can take to lower your car insurance costs.
Take a defensive driving course
A speeding ticket or traffic violation can increase your rates, but you can correct the situation if you take a defensive driving course. The course available in many states is designed for first-time traffic offenders to correct their driving habits. The lessons generally focus on understanding traffic laws, acquiring basic car knowledge, and practicing safe driving habits.
Upon completion, you can get a ticket dismissal or point reduction on your driving license.
Depending on the insurance provider, a defensive driving course may also give you a discount on your premiums.
Compare quotes from multiple companies
Getting several quotes for the same coverage options can help you find the best deal and the most affordable car insurance.
Ask about discounts
Most car insurance discounts are stackable, so take advantage of everything you’re eligible for to lower your costs.
Improve your driving record
The better your driving record, the lower your rate for car insurance — one of many reasons to practice safe driving habits and do your best to avoid accidents and tickets.
Improve your credit score
Paying your bills on time can boost your credit score and lower your car insurance rate.
Ask about bundling your home & auto insurance policies
If you’re a homeowner or renter, opting to purchase home/renters and auto insurance from the same company can get you a bundling discount, which is one of the highest percentage discounts available.
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