Plymouth Rock car insurance coverage
Plymouth Rock Assurance sells a variety of car insurance policies.[1] But the available coverages depend on where you live.
Liability
Personal liability insurance covers third-party claims of bodily injury and property damage when you cause an accident and the other driver suffers losses. This coverage is legally required in most states.
Collision
Collision insurance pays for your vehicle’s damages after an accident you cause. It’s typically purchased as part of a full-coverage insurance policy.
Comprehensive
Comprehensive insurance pays for your vehicle’s damages stemming from a noncollision incident, such as theft, vandalism, weather damage, or an object falling onto the vehicle.
Medical payments
Medical payments insurance pays for your and your passenger’s medical expenses if you get injured in an accident.
Uninsured/underinsured motorist
This policy kicks in when you get into an accident with a driver who is uninsured or doesn’t have enough coverage to pay for your losses in full.
Additionally, Plymouth Rock offers these other optional coverages:
Substitute transportation: Substitute transportation insurance, also known as rental reimbursement coverage, pays for a rental vehicle if your car is damaged in a covered collision or comprehensive claim.
Towing and labor: Towing and labor insurance is an optional policy that pays to tow your vehicle to an auto repair shop if the car is damaged in a covered loss.
Gap coverage: Gap insurance covers leased and financed vehicles. If your car gets totaled, gap coverage pays the difference between the car’s diminished value and the amount you still owe.
New-car replacement: If your car is totaled in a covered incident, new-car replacement insurance will compensate you for the cost of a new vehicle similar to your old one.
Roadside assistance: Roadside assistance pays for some emergency roadside services, like a flat tire change, fuel delivery, or battery replacement.
OEM parts: This policy will pay to use original equipment manufacturer (OEM) parts when repairing your vehicle after a covered loss.
The policies listed above are available to all Plymouth Rock customers. However, the company provides additional benefits to its most loyal customers. Once you’ve been a Plymouth Rock customer for four policy terms or belong to a qualifying motor club, you can access its Assurance Plus Loyalty Rewards. These benefits include:[2]
Additional loss of earnings coverage: If you have to go to court after an accident, your policy will provide a higher amount of coverage for your lost wages.
Personal property coverage: If you have a claim and it affects personal items inside your vehicle, Plymouth Rock will pay to repair or replace the items up to the policy limit, with no deductible.
Child car seat replacement coverage: This coverage will pay to replace a child’s car seat if it gets damaged in a covered claim.
Device replacement coverage: If an electronic device, like a phone or laptop, is damaged in a covered loss, your policy will pay to replace it, up to the policy limit.
Waiver of collision deductible: If you get into an accident with another Plymouth Rock customer, you don’t have to pay a deductible when you file a collision claim.
Bail bonds coverage: If you get arrested for causing serious bodily injury in an accident, this policy will provide higher levels of coverage above your base policy limit.
Seat belt/airbag benefits: In the event of a fatal crash, Plymouth Rock will provide additional benefits if the driver was wearing a seat belt properly.
Pet injury coverage: Plymouth Rock will pay for veterinary services if your pet is injured in a covered accident.
Additional rental car coverage: If your policy includes rental car coverage, Plymouth Rock will increase your daily coverage limit for being a loyal customer.
Waiver of deductible for glass claims: If you have a small chip or dent in your windshield, Plymouth Rock will pay to replace it with no deductible.
How to get a Plymouth Rock car insurance quote
Plymouth Rock offers free online quotes for customers who live in the company’s coverage area. You can also call the company at 1 (855) 993-4470 to request a quote or visit the website to search for an independent agent in your area.
The process of getting a car insurance quote is simple. You’ll be asked to provide some basic information, including your recent accident history, marital status, vehicle identification number (VIN), and ownership status. You’ll also be able to see if you qualify for any discounts.
After inputting your information, you’ll see your quotes for suggested levels of coverage. You can adjust your coverage limits and add and remove coverages based on your needs. If you’re satisfied with your quote, you can complete the purchase online.
While Plymouth Rock makes it easy to get a quote online or through an agent, you might also consider using a quote-comparison platform like Insurify. By using a quote-comparison tool, you can see how Plymouth Rock’s rates compare to other companies, all in one place.
Plymouth Rock car insurance cost by state
Car insurance premiums differ based on the state you live in. In addition, every state has unique car insurance requirements, which can affect the price. In the table below, you can see the average monthly cost of car insurance from Plymouth Rock in a few of the states it serves.
| State | Average Monthly Quote: Full Coverage | Average Monthly Quote: Liability Only |
|---|
| Connecticut | $226 | $251 |
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| New Jersey | $195 | $178 |
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| Pennsylvania | $199 | $140 |
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Actual quotes may vary based on the policy buyer's unique driver profile.
Plymouth Rock auto insurance rates by driving history
Car insurance premiums can change depending on your driving record, which reflects your history of traffic violations and accidents. While most violations will cause your rate to increase, some incidents affect your premium more than others. The table below shows the average car insurance premiums for drivers with a clean record, speeding tickets, accidents, and DUIs.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Plymouth Rock car insurance cost by age
Age has a significant effect on the cost of car insurance, especially for young people. In general, rates are highest for drivers younger than 25.[3] Once drivers reach their mid-20s, car insurance premiums start to drop and consistently go down over time. Below, you can see Plymouth Rock’s average car insurance premiums for drivers of various ages.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Plymouth Rock car insurance discounts
Plymouth Rock Assurance offers a variety of discounts and savings programs for its policyholders. Taking advantage of discounts can help lower your premium. Here’s a look at the discounts available from Plymouth Rock:
Mature driver discount: Drivers over age 60 who complete an approved defensive driver course can qualify for a discount.
Claim-free discount: Drivers over the age of 22 who have had no accidents within the last five years can get a claim-free discount.
Pay-in-full discount: If you pay your annual premium up front and in full, you can save money on your policy.
Motor club discount: Plymouth Rock will give you a discount on your policy if you belong to a participating membership-based motor club.
Multi-vehicle discount: You can save money on your car insurance if you insure multiple vehicles on your policy.
Advanced shopper discount: Plymouth Rock offers a discount to shoppers who purchase a policy more than seven days in advance of the start date.
Student away at school discount: You can get a discount on your car insurance if you insure a student away at school who doesn’t have access to a vehicle.
Group discount: Plymouth Rock will give you a discount if you belong to certain organizations or are an employee of a participating group.
YUBI program: If you join Plymouth Rock’s telematics-based safe driver rewards program, called YUBI, you could save up to 24% on your policy.
Plymouth Rock insurance bundling options
Plymouth Rock offers policy bundling discounts. You can save money when you combine a homeowners, condo, or renters policy with an auto or motorcycle insurance policy. Plymouth Rock doesn’t advertise specific savings for bundling, so you’ll need to contact an agent to see how much you could save.
