Plymouth Rock Assurance Insurance Review & Complaints: Auto & Home Insurance (2024)

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Massachusetts-based Plymouth Rock Assurance serves a handful of surrounding states with a range of insurance options. Their products are mainly personal insurance, but they also offer commercial auto.

What is Plymouth Rock?

Plymouth Rock Assurance was founded in 1982 and is part of the Plymouth Rock Group of Companies. They operate in five states: Massachusetts, Connecticut, New Hampshire, New Jersey, and Pennsylvania.

The company focuses mainly on auto insurance coverage and home insurance, and the available policies vary depending on the state. In some states, they also write commercial auto insurance policies.

Recently, Plymouth Rock re-branded several of its group of companies to bring everything in under the same company name. The goal was to create a unified brand and grow name recognition in the insurance industry. In some cases, the underlying companies continue to operate with their original names, but each insurance provider now uses the Plymouth Rock brand.

Policies are sold through independent agents across the service area.

What are the Plymouth Rock insurance products available?

Plymouth Rock writes personal auto insurance and homeowners insurance policies in all five states in which it operates. Additional types of insurance products may also be available in some states.

Auto Insurance

Auto insurance policy options vary a little depending on the state, but Plymouth Rock policies include all of the basics. Each policy meets the state requirements for base coverage, but can be adjusted and enhanced to be customized based on the needs of each auto insurance customer.

The website does not provide much information on what the available Plymouth Rock auto insurance options are but instead suggests speaking to an agent in your state instead of trying to find a policy online.

There is an impressive variety of discounts on the site. These include a wide range of choices like good student, good driver, anti-theft, and a multi-policy discount. Also available are affinity discounts – although which groups are involved is not listed – advance purchase, motor club, and more.

Plymouth Rock also has a special car insurance program for educators called the Teacher’s Plan of New Jersey. It provides coverage for teachers at all levels in New Jersey. for this type of insurance eligibility decisions are driven by your employment classification.

Read more: Car Insurance Discounts for Teachers

In Massachusetts, they have a personal auto insurance program affiliated with AARP for members of that group.

Each Plymouth Rock auto insurance policy comes with a few perks that are unusual.

Get Home Safe is a program that pays for the cost of a ride home – whether that’s a taxi or another option – if the insured driver does not feel safe driving home. There is not much detail on what that might comprise or if it includes situations within the driver’s control such as alcohol consumption.

There is also a loyalty rewards program and the Road Rewards app. This is something similar to the usage-based discount programs offered by other companies but has no impact on your auto policy insurance premium. Instead, in return for using an app that tracks your driving habits, the program provides rewards including gift cards and other types of customer discount.

The best way to get the most affordable rate and maximize your auto insurance discounts with Plymouth Rock Auto Insurance is to talk to an agent directly when you get an auto insurance quote.

Home Insurance

Plymouth Rock writes a variety of home policies, including standard homeowners, condo, and renters insurance policies. There is not a lot of information is available on these policies, but they include all of the usual coverage for a home insurance package. Basics listed are dwelling coverage, liability, loss of use, and personal property coverage.

Being properly covered by your homeowners policy can help you cover a range of things like an unexpected medical expense if someone sustains an injury in your home, to additional living expenses while your home is repaired after an accident, and more.

The optional coverage types available include endorsements for higher value personal property and identity theft protection. Endorsements like this can offer replacement coverage or help you save on the repair cost in the event of property damage.

Rental coverage also includes additional service options as well, such as utility service and even key replacement, which can help save you from paying out of pocket for a costly repair or other expense.

Coverage can vary by state, and again the site directs visitors to speak with an agent to find out what options are available and customize a package policy.

Other Products

Plymouth Rock writes commercial auto – their only commercial product – in three states. Those are Massachusetts, Connecticut, and New Jersey.

Personal Umbrella insurance is also available in all states except for Pennsylvania.

Are the rates competitive?

The insurer does have an online quoting system, and although they are a regional insurance provider that does not provide coverage in our usual sample area, we did run a quick quote.

We chose the same zip code as the company’s Boston headquarters for our sample quote and quoted coverage options for a 30-year-old male driver with a 2010 Honda Accord and a clean record.

Our sample returned a full coverage quote of $120 a month. The 12-month premium came to $1,388.

We found the quoting system a little clunky, with a lot of questions to be answered and a lot of details. That said, it was very customizable in terms of coverage and did return a quote fairly quickly.

Shopping for competitive rates? The best way to get an accurate premium estimate and the comprehensive coverage that you need is to contact either customer service or speak with a real person that sells policies in your area. Of course, they can also find out if you’re eligible for a discount on your insurance rate, as well.

Plymouth Rock Assurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Plymouth Rock Assurance offers multiple convenient ways for policyholders to file claims. You can file a claim online by logging into your policyholder account, or you can use your policy number to sign in to the system.

If you prefer to speak with a representative, there are dedicated claim phone numbers for each of the various states they serve. These toll-free lines provide access to customer service representatives 24/7, making it easy to report a claim.

Average Claim Processing Time

The company provides a seamless claims experience through services like their “Door to Door Valet” program and the “Crashbusters” mobile claim service.

These programs ensure that your auto insurance claim is handled efficiently, from the initial report through the repair process and beyond. The claims section of their website is comprehensive and addresses many potential questions policyholders may have.

Customer Feedback on Claim Resolutions and Payouts

Plymouth Rock Assurance has earned an A+ rating with the Better Business Bureau (BBB) and has only 10 customer service complaints on file in the past three years, which is low for a regional insurance company of its size.

While there are some reviews that mention claims issues, the company does respond to most of them. On Consumer Affairs, Plymouth Rock has received an overall three out of five-star rating, indicating generally positive customer feedback.

Digital and Technological Features of Plymouth Rock Assurance

Mobile App Features and Functionality

Plymouth Rock Assurance offers a mobile app for both iOS and Android devices, allowing policyholders to access their policy information, make payments, file claims, request roadside assistance, and more. The app enhances the convenience of managing your insurance policy on the go, making it a valuable tool for tech-savvy customers.

Online Account Management Capabilities

Policyholders can conveniently manage their insurance policies through Plymouth Rock’s user-friendly online portal. This platform enables you to make payments, view policy documents, update personal information, and file claims, all from the comfort of your computer or mobile device. It streamlines the insurance management process, providing easy access to essential services.

Digital Tools and Resources

Plymouth Rock Assurance offers various digital tools and resources to assist policyholders. These include online quoting, customizable coverage options, and 24/7 access to customer service representatives.

Additionally, their website provides comprehensive information about their insurance products, making it a valuable resource for customers seeking information and assistance.

Overall, Plymouth Rock Assurance combines digital and technological features with a customer-friendly claims process to provide a well-rounded insurance experience for their policyholders.

Are the ratings and customer reviews positive?

Is Plymouth Rock a good insurance company? It has an A+ rating with the Better Business Bureau (BBB), with only 10 customer service complaints on file in the past three years. That is low for a good-sized regional insurance company. There are a few reviews left on the page, most of which are claims issues complaints. The company does respond to most of the reviews.

There are 37 reviews on Consumer Affairs for this company with an overall three out of five-star rating. That is quite good for a site where we rarely see positive reviews. There are several glowing reviews as well as some complaints, most of which are about claims issues.

What’s the bottom line?

Plymouth Rock Assurance is a solid choice for those in their coverage area, with policies that have above-and-beyond benefits and a good reputation overall. We are unable to provide a true comparison on rates, but they are well worth a comparison to other options out there, even the big-name companies.