Plymouth Rock Insurance provides Northeastern home, renters, and car insurance. It was created in 1982 by former Massachusetts insurance commissioner Jim Stone.
Plymouth Rock Insurance is known for its excellent customer service, competitive rates, and customizable plans.
Types of Car Insurance Coverage
Plymouth Rock Insurance offers various types of car insurance coverage to suit your needs and budget. Here are some of the coverage options you can choose from:
Coverage Basics
The basic coverage options include:
- Bodily injury liability: This covers the medical expenses of the other party if you cause an accident that injures them.
- Property damage liability: This covers the repair or replacement costs of the other party’s property if you cause an accident that damages it.
- Personal injury protection: This covers your own medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
- Uninsured/underinsured motorist: This covers your own expenses if you are involved in an accident with a driver who has no insurance or insufficient insurance.
Full Coverage
Full coverage is a term that usually refers to a combination of basic coverage and additional coverage options, such as:
- Collision: This covers the repair or replacement costs of your own vehicle if you are involved in an accident with another vehicle or object.
- Comprehensive: This covers the repair or replacement costs of your own vehicle if it is damaged by something other than a collision, such as fire, theft, vandalism, or natural disasters.
- Gap: This covers the difference between the actual cash value of your vehicle and the amount you owe on your loan or lease if your vehicle is totaled in an accident.
Minimum and Mandatory Insurance
Each state has its own minimum and mandatory insurance requirements that you must meet to drive legally. For example, in Massachusetts, you must have at least:
- $20,000 per person and $40,000 per accident for bodily injury liability
- $5,000 per accident for property damage liability
- $8,000 per person for personal injury protection
- $20,000 per person and $40,000 per accident for uninsured/underinsured motorist
You can check the minimum and mandatory insurance requirements for your state on Plymouth Rock’s website.
Types of Car Insurance Coverages
Plymouth Rock Insurance also offers some unique and optional coverages that can enhance your protection and peace of mind, such as:
- Door-to-door valet: This is a service that picks up your damaged vehicle from your location, delivers it to a repair shop, and returns it to you after it is fixed.
- Safety rides: This is a service that pays for your taxi or rideshare fare if you are unable to drive safely due to alcohol consumption or fatigue.
- Pet injury: This covers the veterinary expenses of your pet if it is injured in an accident while riding in your vehicle.
- New car replacement: This replaces your new vehicle with a brand new one of the same make and model if it is totaled in an accident within the first year of ownership or 15,000 miles, whichever comes first.
Filing a Claim with Plymouth Rock Insurance
If you are involved in an accident or experience a loss that is covered by your policy, you can file a claim with Plymouth Rock Insurance easily and conveniently. Here are some steps to follow:
Scenarios for Filing a Claim (Accidents, Damage, Theft, etc.)
Depending on the type and severity of the incident, you may need to file a claim with Plymouth Rock Insurance for different reasons, such as:
- You are involved in a collision with another vehicle or object
- Your vehicle is damaged by fire, theft, vandalism, or natural disasters
- Your vehicle is stolen or vandalized
- You or your passengers are injured in an accident
- You cause injury or damage to another party in an accident
The Claims Process
The claims process may vary depending on the type and complexity of the claim, but generally it involves these steps:
- Report the incident to Plymouth Rock Insurance as soon as possible. You can do this online, by phone (855-993-4470), or by using their mobile app.
- Provide the necessary information and documents for your claim, such as your policy number, contact information, details of the incident, photos of the damage, police report, etc.
- Cooperate with the claims adjuster who will review your claim and determine the coverage and liability.
- Receive the payment or reimbursement for your claim, minus any deductible or co-payment that applies.
Information Required for Filing a Claim
To file a claim with Plymouth Rock Insurance, you will need to provide some basic information and documents, such as:
- Your policy number and contact information
- The date, time, and location of the incident
- The names, contact information, and insurance information of the other parties involved
- The details of the incident, such as how it happened, what was damaged, who was injured, etc.
- The photos of the damage to your vehicle and the other party’s vehicle or property
- The police report or incident number, if applicable
- The receipts or estimates for the repair or replacement costs, if applicable
- The medical bills or records for the treatment of injuries, if applicable
Resolution of the Claim
The resolution of your claim will depend on several factors, such as the type and severity of the incident, the coverage and liability involved, and the cooperation of the parties. Generally, you can expect to receive the payment or reimbursement for your claim within a few days or weeks after you file it. However, some claims may take longer to resolve due to disputes, investigations, or legal actions.
Additional Insurance Offerings by Plymouth Rock
Besides car insurance, Plymouth Rock Insurance also offers other types of insurance products that can protect your home, life, and assets. Here are some of them:
Home Insurance
Plymouth Rock Insurance offers home insurance that covers your dwelling, personal property, liability, and additional living expenses in case of a loss due to fire, theft, vandalism, or natural disasters. You can also customize your home insurance policy with optional coverages such as:
- Replacement cost: This pays for the full cost of repairing or replacing your home or personal property without deducting depreciation.
- Water backup: This covers the damage caused by water backing up from sewers or drains.
- Identity theft: This covers the expenses incurred due to identity theft or fraud.
- Equipment breakdown: This covers the repair or replacement costs of your appliances or systems that break down due to mechanical or electrical failure.
Life Insurance
Plymouth Rock Insurance offers life insurance that provides financial security for your loved ones in case of your death. You can choose from different types of life insurance policies such as:
- Term life: This provides coverage for a specific period of time (usually 10 to 30 years) and pays a lump sum benefit if you die within that term.
- Whole life: This provides coverage for your entire life and accumulates cash value that you can borrow or withdraw.
- Universal life: This provides flexible coverage that allows you to adjust the premium and benefit amount according to your needs and goals.
Discounts and Benefits
Plymouth Rock Insurance also offers various discounts and benefits that can help you save money and enjoy more value from your policies. Some of them are:
- Bundle discount: This gives you a discount when you combine two or more policies from Plymouth Rock Insurance, such as car and home insurance.
- Safe driver discount: This gives you a discount when you have a good driving record and no accidents or violations for a certain period of time.
- Pay in full discount: This gives you a discount when you pay your annual premium in one lump sum instead of monthly installments.
- EFT discount: This gives you a discount when you enroll in electronic funds transfer (EFT) to pay your premium automatically from your bank account.
- Paperless discount: This gives you a discount when you opt for paperless billing and communication instead of receiving paper statements and emails.
- Loyalty rewards: This gives you access to exclusive benefits and services such as roadside assistance, accident forgiveness, new car replacement plus, etc.
Plymouth Rock Insurance Review
Plymouth Rock Insurance is a reputable and reliable company that has been serving customers in the Northeastern United States for over 40 years. It has received positive ratings and reviews from various sources such as:
Customer Satisfaction Ratings
Plymouth Rock Insurance has received high customer satisfaction ratings from several organizations such as:
- J.D. Power: Plymouth Rock Insurance ranked second among auto insurers in New Jersey in the 2020 U.S. Auto Insurance Study, scoring 853 out of 1,000 points in overall satisfaction.
- Better Business Bureau: Plymouth Rock Insurance has an A+ rating from the Better Business Bureau, indicating its commitment to resolving customer complaints and issues.
- Consumer Reports: Plymouth Rock Insurance received an excellent score of 92 out of 100 in the 2019 Consumer Reports Car Insurance Ratings, based on customer feedback on claims handling, service satisfaction, and premium affordability.
Cost and Premiums
Plymouth Rock Insurance offers competitive and affordable rates for its insurance products, especially for car insurance. According to the 2020 U.S. Auto Insurance Study by J.D. Power, Plymouth Rock Insurance had the lowest average annual premium ($1,097) among auto insurers in New Jersey, compared to the state average ($1,362) and the national average ($1,548).
However, the cost and premiums of your insurance policy may vary depending on several factors, such as:
- Your age, gender, marital status, and driving history
- Your vehicle make, model, year, and mileage
- Your coverage type, amount, and deductible
- Your location, credit score, and claims history
- Your discounts and benefits eligibility
To get an accurate quote for your insurance policy, you can visit Plymouth Rock’s website or call their agents (855-993-4470).
Comparisons with Other Insurance Companies
Plymouth Rock Insurance is not the only insurance company that operates in the Northeastern United States. There are other insurance companies that offer similar or different products and services that you may want to compare and consider, such as:
- GEICO: GEICO is one of the largest and most popular auto insurers in the country. It offers low rates, online convenience, and 24/7 customer service. However, it may not have as many local agents or personalized services as Plymouth Rock Insurance.
- Progressive: Progressive is another major auto insurer that offers competitive rates, online tools, and discounts. It also offers a unique feature called Name Your Price®, which allows you to customize your policy based on your budget. However, it may not have as high customer satisfaction ratings or as many coverage options as Plymouth Rock Insurance.
- Liberty Mutual: Liberty Mutual is a well-established insurance company that offers home, auto, and life insurance. It offers a wide range of coverage options, discounts, and benefits. However, it may have higher rates, lower claims satisfaction ratings, or more complaints than Plymouth Rock Insurance.
