Plymouth Rock Commercial Auto Insurance: How Much Is Enough?

If you're a business owner in Massachusetts, you know how important it is to have reliable commercial auto insurance, especially if your operations depend on commercial vehicles. Plymouth Rock Assurance understands that each business has unique needs, which is why they offer personalized and comprehensive commercial auto insurance programs tailored to individual businesses. By working one-on-one with an independent agent, business owners can rest assured that their commercial vehicles are covered at a competitive price.

Plymouth Rock offers a range of coverage and policy options, including physical damage coverage, basic or extended liability, and more. They also provide discounts for vehicles equipped with anti-theft devices and safe drivers, taking into account your business' unique safety and operational features when pricing your policy.

With their commitment to customer satisfaction and a range of benefits, Plymouth Rock is a trusted choice for commercial auto insurance in Massachusetts.

Discounts for anti-theft devices and safe drivers

Plymouth Rock Assurance offers various discounts and benefits to its auto insurance customers. The company is committed to helping its customers save time and money on their auto insurance.

Discounts for Anti-Theft Devices

Plymouth Rock offers discounts for customers who have anti-theft devices installed in their cars. These devices include steering wheel locks and alarm systems. By having these devices in place, customers can rest assured that their vehicles are less likely to be stolen, and they can enjoy the benefit of reduced insurance rates.

Discounts for Safe Drivers

Plymouth Rock also rewards safe drivers with various discounts and perks. The company's unique usage-based telematics programs, such as Road Rewards and YUBI (Your Usage-Based Insurance), are designed to encourage and improve safe driving habits. By participating in these programs, customers can earn rewards and save on their car insurance. For example, the YUBI program helps drivers track their driving habits and provides feedback to promote smarter and safer driving.

In addition to these programs, Plymouth Rock offers several other safe driver discounts. These include:

• No Accident Discount: Loyal customers who maintain an accident-free record for five years are eligible for this discount.
• Defensive Driving Course Discount: Customers who complete an approved defensive driving course can provide proof of completion to qualify for this discount.
• Good Student Discount: Students who maintain good grades, whether in high school or college, can help lower their insurance rates.
• Driver Training Discount: This discount is available for drivers under 19 who complete driver training to improve their skills and reduce their insurance costs.
• Violations-Free Driving Record: Customers who maintain a driving record free of moving violations, such as speeding or reckless driving, are eligible for discounts.

By offering these discounts, Plymouth Rock incentivizes its customers to prioritize safe driving, which not only helps keep their insurance rates low but also contributes to making the roads a safer place for everyone.

Personalised, comprehensive commercial auto insurance

Plymouth Rock Assurance offers commercial auto insurance for businesses that depend on commercial vehicles to carry out their operations. The company understands that each business is unique and offers a personalised, comprehensive commercial auto insurance program tailored to your needs and budget.

Coverage and Policy Options

Plymouth Rock offers a range of coverage and policy options, including physical damage coverage, basic or extended liability, and more. You will work with an independent agent to select the right coverage and policy options for your business.

Discounts

Plymouth Rock provides several ways to save on commercial auto insurance. You can avail of discounts if your vehicles are equipped with anti-theft devices, or if your drivers have good driving records. Additionally, their underwriters will consider your business's unique safety and operational features when pricing your policy.

Customer Perks

Plymouth Rock customers have access to exclusive benefits like the Crashbusters® mobile claim service and the Get Home Safe® program. The Crashbusters® service sends someone to inspect your vehicle's damage at a place and time of your choosing. The Get Home Safe® program reimburses customers for up to $50 for a one-time cab ride home if they need a safer alternative to driving.

Getting a Quote

Plymouth Rock prices your policy by reviewing your business and drivers. Contacting a local independent agent can help you understand how much you could save with a commercial auto insurance policy from Plymouth Rock.

Customer Satisfaction

Plymouth Rock has received varying customer satisfaction ratings. According to J.D. Power, their rating is below average among Mid-Atlantic and New England insurers. However, according to the National Association of Insurance Commissioners, they have received fewer complaints relative to their size over three years.

Availability

It is important to note that Plymouth Rock currently offers auto insurance in six Northeastern states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.

Average monthly rate for minimum coverage

The average monthly rate for minimum coverage with Plymouth Rock varies depending on the state and the driver's age. For example, in Connecticut, the average monthly rate for minimum coverage is $189, while in Massachusetts, it is $166.

Plymouth Rock's rates are generally lower for older drivers. For instance, in Massachusetts, the average monthly rate for minimum coverage is $166 for a 30-year-old driver, compared to $134 for a 60-year-old driver.

It's important to note that these rates are averages and that individual rates may vary based on factors such as driving record, credit score, and other factors.

Plymouth Rock also offers a range of discounts that can lower the cost of minimum coverage. These include:

• Mature driver discount: For drivers over 60 who complete an approved defensive driving course.
• Claim-free discount: For drivers over 22 with no accidents in the past five years.
• Pay-in-full discount: For those who pay the annual premium upfront.
• Multi-vehicle discount: For insuring multiple vehicles with Plymouth Rock.
• Student away at school discount: For students without regular access to their insured vehicles.

Overall, Plymouth Rock offers competitive rates for minimum coverage, and their discounts can help make their policies even more affordable.

Average monthly rate for full coverage

The average monthly rate for full coverage at Plymouth Rock Assurance is $206, according to Insurify. However, car insurance rates can vary based on factors like your ZIP code, age, credit score, and driving record.

Plymouth Rock sells car insurance in six Northeastern states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania. The company offers a range of coverage options and discounts, as well as unique perks for longtime customers.

Plymouth Rock's commercial auto insurance provides coverage for businesses that depend on commercial vehicles for their day-to-day operations. The company offers a personalized and comprehensive commercial automobile insurance program tailored to each business's unique needs. They work with independent agents who are experts in their local markets to help businesses navigate the available coverage and policy options.

Plymouth Rock's full coverage car insurance includes standard options such as liability, collision, comprehensive, personal injury protection (PIP), and uninsured motorist coverage. They also offer additional coverage options like substitute transportation, towing and labor, gap coverage, new car replacement, and roadside assistance.

The company's mobile app has received positive reviews, with a rating of 4.8 out of 5 stars on the Google Play Store and the App Store. However, customer reviews for Plymouth Rock's insurance services are mixed, with some complaints about billing, cancelled policies, and poor customer service.

Optional coverages

Plymouth Rock offers a range of optional coverages that businesses can add to their commercial auto insurance policies. These optional coverages provide additional protection and benefits to meet the specific needs of each business. Here is a detailed description of some of the optional coverages available:

Substitute Transportation: This coverage, also known as rental reimbursement coverage, is designed to provide a rental vehicle to the policyholder if their commercial vehicle is damaged in a covered collision or comprehensive claim. This ensures that businesses can continue their operations without disruption while their vehicle is being repaired or replaced.

Towing and Labor: Towing and labor coverage is an optional policy that pays for the towing of a damaged commercial vehicle to an auto repair shop. This coverage is beneficial when a commercial vehicle breaks down or is involved in an accident, as it helps to get the vehicle to a repair facility quickly and efficiently.

Gap Coverage: Gap insurance is specifically designed for leased or financed vehicles. In the event that a leased or financed commercial vehicle is totaled, gap coverage will pay the difference between the diminished value of the vehicle and the outstanding amount owed on it. This helps to protect businesses from financial losses due to depreciation.

New-Car Replacement: New-car replacement insurance provides compensation for the cost of a new vehicle of similar make, model, and year in the event that a covered commercial vehicle is totaled. This coverage ensures that businesses can quickly get back on the road with a replacement vehicle, minimizing disruptions to their operations.

Roadside Assistance: Roadside assistance coverage provides emergency roadside services, such as flat tire changes, fuel delivery, battery replacement, and towing assistance. This coverage offers peace of mind to businesses by ensuring that help is just a phone call away, no matter the time or location in the United States.

OEM Parts: The OEM Parts policy ensures that original equipment manufacturer (OEM) parts will be used when repairing a covered commercial vehicle. This coverage guarantees the use of high-quality, manufacturer-approved parts, maintaining the integrity and performance of the vehicle.

These optional coverages offered by Plymouth Rock demonstrate their commitment to providing comprehensive and customizable commercial auto insurance solutions. Businesses can select the coverages that best fit their unique needs, ensuring they have the protection and support they require to keep their operations running smoothly.

Frequently asked questions