Is Plymouth Rock Good for Auto Insurance?
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There are so many choices out there when it comes to car insurance, and it can be difficult to narrow down the right option for your needs. If you live in New England or the northeast, you might be considering Plymouth Rock Assurance for your car insurance. Here’s what you need to know about Plymouth Rock and their car insurance offerings before you sign up.
About Plymouth Rock Assurance
Plymouth Rock Assurance is an insurance company founded in 1982 and headquartered in Boston, Massachusetts. Policies are available for customers in Massachusetts, Connecticut, New Hampshire, Pennsylvania, and New Jersey, and Plymouth Rock has local insurance agents stationed throughout these states as well. In addition to car insurance, they also offer home, condo, and renters insurance, as well as commercial insurance and umbrella insurance.
Car Insurance Options and Coverage Types
Plymouth Rock allows you to create a custom policy by combining the types of coverage that are most appropriate for your needs. They offer many different kinds of coverage, including:
- Liability. This coverage is required in most states. Liability coverage pays the other party’s repair and medical bills if you are found to be at fault in a car accident.
- Collision. This pays for the cost of your damages if you are involved in any type of collision, whether it be a single-car collision or a multi-car collision
- Comprehensive. This coverage pays for the costs of repairing vandalism, weather damage, or anything else that might result in damage besides a collision.
- Medical Payments/PIP. This covers medical bills for yourself and anyone else in the car if you are injured in a crash.
- Underinsured motorist. This will cover your expenses if you are in a crash with someone who doesn’t have insurance or doesn’t have enough insurance to cover the cost of your expenses.
- Towing. This will pay for the costs of transporting your car to a repair shop if it is not drivable.
In addition to these coverage options, Plymouth Rock also offers a number of handy benefits for its members to help them drive more safely and handle claims more conveniently. They offer a valet service, which will pick up your car, take it to the repair shop, and bring it back for you, so you don’t have to take time out of your busy day to handle a repair. They also have mobile appraisers who can come look at your car after you’ve been in an accident and assess your claim. This helps claims get processed more quickly and efficiently. Another handy benefit that Plymouth Rock offers for their customers is their “Get Home Safe” program. If you feel that you cannot drive safely, they can call a taxi for you and reimburse up to $50 of the ride. You can use this service once per year.
Plymouth Rock Insurance Discounts
Plymouth Rock offers a number of discounts to help their customers save money on their policies. The discounts that can help you save the most money are their safe driving discount and their anti-theft discount. A safe driving discount rewards drivers who don’t have any claims, accidents, or tickets on their record in recent years. Anti-theft discounts reward drivers who have car alarms, trackers, and other anti-theft devices on their cars. Some other discounts that Plymouth Rock offers include good student discounts, discounts for paying your policy bill in full, discounts for taking driver training courses, and much more. When signing up for car insurance, you should always ask about your discount options to make sure you don’t miss any opportunities to save. You might be surprised by the discounts you qualify for.
Plymouth Rock Auto Insurance Rates
Statistically, Plymouth Rock is not the cheapest company for auto insurance on the market, but they aren’t exorbitantly expensive either. When compared with nationwide companies like GEICO, Plymouth Rock’s policies are slightly more expensive, particularly for married couples sharing a policy. However, their prices for single drivers are fairly reasonable. Keep in mind that pricing for car insurance varies depending on your unique customer profile. Depending on your driving history, the type of car you drive, and the coverage you need, Plymouth Rock may offer the most affordable option for your needs. You should always consider the value of the policy you are purchasing – in many cases, the cheapest policies don’t offer the coverage you would need in a serious accident.
Financial Stability and Customer Service
Plymouth Rock receives positive ratings for its financial stability and customer service. They have an A- rating from AM Best, which is a firm that rates the financial stability of car insurance companies. While this isn’t the best possible rating, it still indicates that Plymouth Rock is a trustworthy company regardless of the current state of the economy. Plymouth Rock also has a better than average complaint rating, meaning they get complaints slightly less often than most insurance companies. They have an A+ rating from the Better Business Bureau.
Is Plymouth Rock Right for Me?
If you live in one of the northeastern states that Plymouth Rock Assurance serves and are looking for a reliable car insurance company, then Plymouth Rock may be right for you. Plymouth Rock is particularly good if you want to customize various aspects of your insurance plan to suit your needs. Although Plymouth Rock isn’t the cheapest car insurance company on the market, it does offer a flexible range of policies and great customer service.