Founded in 1982, Plymouth Rock Assurance provides a selection of property insurance and bodily injury insurance products to customers across the states of New York, New Jersey, Pennsylvania, Massachusetts, Connecticut, New Hampshire.
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In this Plymouth Rock Assurance review, we’ll compare this provider to other regional and national insurance carriers, helping you find the best insurance policy for your needs.
Plymouth Rock Assurance offers a host of car insurance coverage options, allowing you to meet the minimum requirements in your state and go above and beyond those requirements when needed,
Bodily Injury Coverage: Limited to a fixed amount of money per person and per accident, bodily injury insurance covers the harm done to other people in an accident. It is designed to help them with their medical bills and other payments resulting from an accident.
Property Damage Coverage: Also fixed to a specific sum, property damage insurance is designed to cover the other driver’s vehicle in an accident, as well as other property that you damage.
Collision Coverage: A type of insurance that covers you for damages done to your own car. With collision insurance, you will be covered regardless of who caused the accident and you’ll also get cover if the accident involves an obstacle (tree, guardrail, wall, fence) as opposed to another vehicle. You will not, however, be covered if you hit a deer. One of the quirks of this coverage option is that you’re only covered for animal collisions if you swerve and hit a wall/tree.
Comprehensive Coverage: With comprehensive coverage, you’re generally covered for the things that collision insurance can’t reach. It covers deer collisions and other accidents involving animal strikes and it also covers damage caused by weather and vandalism.
Personal Injury Protection (PIP): This coverage option works like bodily injury coverage, only instead of protecting the other driver and their passengers, it protects you, covering you for lost wages and medical bills.
Medical Payments: A type of insurance specifically designed to cover your medical bills. Unlike PIP, medical payments coverage will not give you money lost as a result of missed work.
Underinsured/Uninsured Motorist Coverage: When the other driver’s insurance cannot cover your claims, either because they don’t have enough or they don’t have any, uninsured/underinsured motorist insurance will step in.
Plymouth Rock Assurance has three different levels of auto insurance: Plus, Preferred, and Premier. There are different coverage options available at each of these levels and you can upgrade if you feel that those options will serve you well.
Some of the features offered at these different levels, along with the additional coverage offered to all policyholders, include:
Plymouth Rock discounts differ from state to state and from user to user. The biggest of these are multi-policy discounts, which are offered when you purchase multiple policies, and prepay discounts, which are offered when you pay your insurance premiums upfront.
Other available discounts include:
In addition to car insurance, the Plymouth Rock Assurance Corporation offers a wealth of insurance products. These are also confined to a very small part of the United States and include:
Plymouth Rock offers comprehensive insurance quotes for all homeowners. These policies will cover you for the breakdown of key appliances, loss of personal items, identity theft protection, and even protection against hacks and cybercrime.
You can apply for Plymouth Rock home insurance directly if you live in New Jersey, New York, New Hampshire, Pennsylvania, and Connecticut.
Renters insurance will cover you for personal losses in the home, as well as providing liability protection for anyone who gets injured in your home. Plymouth Rock renters insurance is available in the same states as Plymouth Rock home insurance.
Plymouth Rock life insurance policies are only available in the state of New Jersey. Both term life insurance and variable life insurance policies are available, of which term life is arguably the better choice.
Policyholders can opt for a term of between 10 and 30 years, with the insurance premiums and payouts dependent on your age, health, medical history, and other key factors.
An umbrella insurance policy essentially increases your liability limits, going the extra mile to protect you. It is a supplemental insurance policy, designed to be added onto car insurance or homeowners insurance and to protect you and your family in the event that a claim is made against you.
Plymouth Rock has good ratings from customers and experts. It has an A- rating from AM Best, which isn’t the highest possible rating but is a great effort from a relatively small company (when compared to giants like GEICO and State Farm).
The insurance claims process is quick and easy, and while there are a number of bad reviews and complaints out there, Plymouth Rock seems committed to remedying these as quickly and completely as possible.
Furthermore, if you have a bad experience with Plymouth Rock, make your discontent clear and they will make a donation to a charity of your choice. This proves that Plymouth Rock is committed to keeping customers happy and willing to do whatever it takes.
Plymouth Rock is a very highly-rated insurance company offering a selection of products directly and through insurance agents. It has accident forgiveness and claims forgiveness; offers a multitude of ways to pay your premiums, and the support team is available around the clock.
If you reside in one of the states where Plymouth Rock operates, visit PlymouthRock.com, get a quote, and start comparing. If not, don’t worry, as there are many other great insurance company reviews to check out, including The General, Progressive, and Esurance.