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Auto Insurance Discounts
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Plymouth Rock Discounts and Optional Coverage
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Description |
Benefit/Value |
Minimum Eligibility |
Amount |
Advanced Driver Training
Discount for completing advanced driver training course approved
by Registry of Motor Vehicles.
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Lowers price for vehicle assigned to the inexperienced driver
Improves safety and defensive driving skills of participant
Significant course savings with Plymouth Rock Savings Pass
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Inexperienced operator classification
Proof of course completion
One discount applied per vehicle
Applies up to 3 years
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5% for
Classes 17, 18, 20, 21, 25, 26 |
Good
Student
Discount for academically achieving full-time students.
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Rewards inexperienced drivers who are consistently good
students
Reduces price for vehicle assigned to inexperienced driver
Recognizes link between academic achievement and propensity to
be more careful and safe driver
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Inexperienced operator classification
Full-time student at accredited high school, college or
university
Written proof of B or 3.0 grade point average, Deans List or
Honor Roll for most recent marking period
No more than 3 SDIP points
Must request annually, not mid-term
Cannot be combined with Student Away at School discount
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15% for
Classes 17, 18 10% for Classes 20, 21, 25, 26 |
Student Away at School
Discount for students residing 100 or more miles from home.
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Lowers price for vehicle assigned to the inexperienced driver
Recognizes lower exposure of student not regularly using
vehicle with lower price
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Inexperienced operator classification
Student at accredited high school, college or university
Written proof that student resides at a school at least 100
miles from principal place of garaging
Driver does not have regular access to any vehicle (school
vacations excepted)
Cannot be combined with Good Student discount
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5% for
Class 18 10% for Class 17
15% for Classes 20, 21, 25, 26 |
Auto Insurance Discounts
Plymouth Rock Discounts and Optional Coverage
(continued)
|
Description |
Benefit/Value |
Minimum Eligibility |
Amount |
Deductible Rewards
Credits $100 towards Collision deductible for each consecutive
year vehicle does not have a collision claim, up to $500 credit per
vehicle. Accrued credit can be used to offset deductible for any
vehicle on policy.
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Can reduce or eliminate out of pocket costs topay for Collision
claim deductible
Existing customers receive $50 - $150 credit per vehicle based
on Plymouth Rock years with no collision claims
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Vehicle must maintain Collision coverage during entire
claim-free policy term
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No Cost |
Accident Forgiveness
Waives first surchargeable accident and resulting loss of SDIP
Excellent Driver Plus discount.
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Can save hundreds of dollars a year from surcharge and loss of
Excellent Driver Plus credit
Added loyalty reward for existing customers
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Policy in force 48 months prior to renewal
All listed experienced operators are SDIP 99s
At least one experienced operator on policy
Inexperienced operators have 0 points or SDIP 98
At time of loss, at-fault driver and vehicle listed on policy,
and no other accidents being waived
Optional endorsement
for
policies less than 48 months with Plymouth Rock, but meeting all
other criteria
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No Cost
1.5% of Parts 1-9, 12 |
Actual Replacement Cost
Pays difference between actual cash value of totaled auto and
cost of new replacement auto.
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Protects investment in brand new vehicle
Makes customer whole for outstanding new car loan
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New vehicle up to 1 model year old, not previously titled
Vehicle cost not more than $50,000
Vehicle less than 12 months old and 15,000 miles at time of
covered loss
Collision or Comprehensive loss (other than fire, theft,
vandalism)
Optional endorsement
extends coverage up to 24 months from purchase date with no mileage
restriction
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No Cost
10% of Parts 7-9 |
OEM
Auto Parts
Covers cost to replace visible exterior auto parts (other than
glass and mechanical parts) damaged in a Comprehensive or Collision
loss.
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Reduces lost value to vehicle after accident
Ensures better match and fit of replacement and original parts
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Listed vehicle up to 10 model years old
Less than 20,000 miles
Auto has Collision or Comprehensive coverage
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No Cost
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Auto Insurance Discounts
Other Discounts (Massachusetts Private Passenger Auto) For
policies effective on or after April 1, 2008
These available discounts are in addition to Plymouth Rocks multivariate
rating plan, which provides up to a 20% discount on Coverage Parts
1,2,3,4,5,6,7,8,9, and 12, and include the following rating factors:
Years with Plymouth Rock or years insured through your agency
Vehicles insured with Plymouth Rock
Annual miles driven
SDIP point level
Driving experience
Vehicle usage
Vehicle-driver combination.
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Discount |
Amount/Coverage Parts |
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Annual Mileage |
5% - 10% of Parts 1,2,3,4,5,6,7,8,12
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Antique Autos |
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Antitheft |
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Driver Training |
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Excellent Driver Discounts (SDIP) |
7% - 17% of Parts 1,2,4,7
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Motorcycle Rider Training Program |
10% Parts 1,2,3,4,5,6,7,8,12
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Multi
Car |
5% of Parts 1,2,4,5,7,8,9
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Passive Restraints |
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Public Transportation |
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Senior Citizen |
25% of final premium, all Parts
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