Plymouth Rock Car Insurance Review: Is It a Good Choice

Plymouth Rock Car Insurance Review: Is It a Good Choice?

Plymouth Rock offers a wide range of coverage options to fit different budgets and needs.

Their policies typically include liability, collision, comprehensive, and personal injury protection, which can help you stay within your financial means.

Plymouth Rock has a strong financial rating, with an A- rating from A.M. Best, indicating a stable financial position.

This stability can give you peace of mind knowing your insurance company can pay out claims if needed.

Plymouth Rock's customer service is available 24/7 to help with any questions or concerns you may have.

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Plymouth Rock car insurance has its advantages. Local agents are available to help with any questions or concerns. A robust set of discounts and perks is also offered. Affordable rates make it a more attractive option.

The claims process can be handled online or over the phone. You can track your claim online or with the help of a claims representative. Plymouth Rock has a solid financial outlook, according to AM Best's analysis. Their rating is an A-, which means they have an "Excellent" claims-paying ability and credit quality.

Plymouth Rock offers a range of auto insurance coverage options, including Bodily Injury Liability, Property Damage Liability, and Uninsured/underinsured motorist coverage, which are all required in all six states they cater to.

Their coverage options also include Collision, Comprehensive, Medical Payments, and Substitute Transportation, among others. The availability of these coverages varies by state, but they are all available in at least one state.

Here's a breakdown of the coverage options available in each state:

Plymouth Rock also offers unique coverages and add-ons, known as "Loyalty Rewards", which include benefits such as Door-to-door valet claim service, Guaranteed repairs, and Get home safe.

Plymouth Rock offers a range of auto insurance coverage types, including Bodily Injury Liability, Property Damage Liability, and Uninsured/underinsured motorist coverage, which are required in all six states they cater to.

These coverages are standard across all states, ensuring you're protected in case of an accident. In addition to the required coverages, Plymouth Rock also offers extra coverages such as Collision, Comprehensive, and Medical Payments.

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Here's a breakdown of the extra coverages available by state:

Plymouth Rock also offers unique coverages and add-ons through its "Loyalty Rewards" program. Some of these include Door-to-door valet claim service, Guaranteed repairs, and Get home safe, which provides a one-time, one-way cab fare home up to $50 per policy per year.

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Plymouth Rock Insurance offers a range of innovative features that go beyond traditional auto insurance.

One of the standout features is the Crashbusters Mobile Claim Service, which sends a mobile insurance claim representative to assess damage on the spot. This can be a huge stress-reliever after an accident.

Plymouth Rock also offers a Door to Door Valet Claims Service, which takes care of the repair process for you, from valeting your car to and from the repair shop to coordinating a rental car if needed.

If you've had a bit too much to drink and need a safe ride home, Plymouth Rock's Get Home Safe program reimburses you for a cab or ride share fare.

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Here are some of the popular features that stood out to us:

Plymouth Rock's customer satisfaction data shows they have fewer complaints than expected, with a NAIC Complaint Index number of 0.74, and even better results when filtering for private passenger complaints at 0.49.

Their scores in J.D. Power's 2024 U.S. Auto Insurance Study were lower than the regional average, with 619 points in the Mid-Atlantic region and 616 points in New England, which is 35 and 21 points lower, respectively.

Plymouth Rock's customer-centric approach is evident in their use of local agents and robust coverage options, which is a great sign for customers.

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Plymouth Rock has a lower than average NAIC Complaint Index number, at 0.74, indicating fewer complaints than expected.

The company's private passenger complaints are even lower, at 0.49. This is a great sign for customers.

Plymouth Rock's performance in the J.D. Power 2024 U.S. Auto Insurance Study was below average in both the Mid-Atlantic and New England regions.

Here's a comparison of Plymouth Rock's performance in the J.D. Power study:

The company is part of the Plymouth Rock Group of Companies, which writes over $1 billion in annual auto and home insurance policies.

Plymouth Rock's website is user-friendly, but navigating discount pages can be a bit tricky. You might need to do some extra research to figure out what discounts are available and what they cover.

The app, on the other hand, gets rave reviews for its customer service. With a rating of 4.9 stars on the iPhone and 4.8 stars on Android, it's clear that users love the app.

The app offers some really handy features, including the ability to view all policies and billing summaries on one page, access mobile insurance ID cards, and report and manage claims. You can even save your bank account info and make payments right from the app.

Here are some of the app's key features:

The app is a great tool for managing your insurance policy on the go.

If you're looking for auto insurance, there are specific states where Plymouth Rock is a viable option.

Plymouth Rock operates in six states, making it a great choice for residents of Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.

If you live in one of these states, you can consider getting a quote from Plymouth Rock for affordable rates and many coverage options.

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Plymouth Rock's average annual premium for a full coverage auto insurance policy is $1,513, which is 24 percent lower than the national average. This is one of the lowest rates found when compared to other carriers.

You can save even more with Plymouth Rock's various discounts, such as the Advanced Quote Discount, which gives you a discount if you get a quote more than seven days before the effective date and have no lapse in coverage. The company also offers a Multi-Car Discount, which will give you a discount if you insure multiple vehicles on the same policy.

Here are some of the discounts available from Plymouth Rock:

Plymouth Rock's rates can vary depending on your demographics, with teen drivers paying an average of $2,085 for a policy and older drivers paying between $1,656 and $1,716.

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Car cost can be a major factor in your overall budget. The average annual premium for a full coverage auto insurance policy from Plymouth Rock is $1,513, which is 24 percent lower than the national average.

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Plymouth Rock's rates are competitive, especially when compared to other carriers. In fact, Erie, a Pennsylvania-based insurance provider, is the only company I found with a lower rate ($1,495).

The cost of car insurance can vary greatly depending on your demographics. Teen drivers, for example, should expect to pay an average of $2,085 for a policy with Plymouth Rock.

Here's a breakdown of the average annual premiums for full coverage and minimum coverage policies from various insurance companies:

Keep in mind that these rates are just averages, and your actual premium may vary depending on your individual circumstances.

Plymouth Rock offers a wide range of discounts to help you save on your policy. One of the ways to save is by insuring multiple cars on the same policy, which can give you a discount of up to an unknown amount.

You can also save by bundling your home and auto insurance policies with Plymouth Rock. This can give you a discount, but the exact amount varies by state.

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Plymouth Rock also offers discounts for certain professions, such as nurses, teachers, and CPAs. Additionally, belonging to a commerce, culture, fitness, or volunteer center in New Jersey can give you a discount.

Here are some of the discounts available by state:

Plymouth Rock's average auto insurance rate is cheaper than GEICO's by $59 annually, making it a more affordable option.

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Plymouth Rock holds a B- grade from CRASH Network, ranking 34th out of 88 companies. This is a respectable score, especially considering the top ten largest insurance companies only managed a C+ grade.

Plymouth Rock's claims-paying reputation is further highlighted by its regional grade of "B" in the New England region, where it ranked second overall. This suggests that the company is doing something right in terms of customer service and quality repairs.

Plymouth Rock just missed out on CRASH Network's Honor Roll, which requires a score of "B" or higher across all 50 states. This might be due to its smaller coverage area compared to other insurers.

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Accident forgiveness is a valuable feature that can help you avoid rate hikes after an accident.

Plymouth Rock offers accident forgiveness for car insurance customers, which can be purchased as a policy add-on.

This feature applies to one accident every policy period, not per driver.

It's essential to note that accident forgiveness is per policy, not per driver, meaning that if one driver on a shared policy caused an accident, the other named drivers cannot have an accident forgiven.

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Plymouth Rock's claims-paying reputation can be assessed through CRASH Network's Insurer Report Card.

Plymouth Rock holds a grade of B- from CRASH Network, ranking 34th out of 88 companies total.

The company just missed out on the survey's Honor Roll because it didn't score an overall grade of "B" or higher across all 50 states.

Plymouth Rock ranked second overall in the New England region, where it received a regional grade of "B".

The highest score earned by any of the top ten largest insurance companies is a C+, indicating a need for improvement in claims handling.

Plymouth Rock's smaller coverage area might be a factor in its lower overall grade.

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Plymouth Rock Insurance is a top choice for auto insurance, especially for single drivers in New Jersey. It's also a good option in Connecticut, Massachusetts, and New Hampshire.

The company's flexible coverage options and many discounts make it a good fit for the average driver. Plymouth Rock's innovative customer perks are a bonus, but be sure to compare rates with competitors if price is a concern.

For married and middle-aged drivers, you may find cheaper rates with other insurance companies.

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At our website, we take a comprehensive approach to reviewing insurance companies. We analyze average premiums for full and minimum coverage for various driver profiles, including drivers with clean records and good credit, as well as drivers with DUIs, accidents, or low credit.

We consider available discounts, which can significantly impact the overall cost of a policy. For example, our analysis shows that some companies offer discounts for students, seniors, or military personnel.

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We evaluate claims practices through independent sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report. We also consider financial strength from sources like AM Best and S&P Ratings.

Real-life customer experiences are included when available, providing valuable insights into a company's claims handling process. Our team has personally reviewed numerous customer testimonials and complaints, which helps us get a more complete picture.

We evaluate the ease of the customer journey, from receiving a quote to buying a policy to making adjustments or accessing important documents. We consider the availability and quality of online and agent interactions, as well as the functionality of the company’s website and mobile app.

Our team uses a variety of sources to assess the customer experience, including J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.

Here's a breakdown of how we weight each factor in our review process:

By considering these factors, we're able to provide a well-rounded view of each insurance company, helping you make an informed decision about your coverage.

If you live in New Jersey, Plymouth Rock Insurance is the overall best for auto insurance, especially if you’re single.

Plymouth Rock Insurance offers flexible coverage options and many discounts, making it a good choice for the average driver.

However, if you are sensitive to price, look carefully at how it rates stack up in comparison to its competitors.

For married and middle-aged drivers, you can find cheaper rates from several other insurance companies.

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