Auto Insurance Discounts

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Plymouth Rock Discounts and Optional Coverage

Description Benefit/Value Minimum Eligibility Amount
Advanced Driver Training

    Discount for completing advanced driver training course approved by Registry of Motor Vehicles.

    • 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

    • Inexperienced operator classification

    • Proof of course completion

    • One discount applied per vehicle

    • Applies up to 3 years

5% for Classes 17, 18, 20, 21, 25, 26
Good Student

    Discount for academically achieving full-time students.

    • 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

    • Inexperienced operator classification

    • Full-time student at accredited high school, college or university

    • Written proof of B or 3.0 grade point average, Dean’s 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

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.

    • Lowers price for vehicle assigned to the inexperienced driver

    • Recognizes lower exposure of student not regularly using vehicle with lower price

    • 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

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.

    • 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

    • Vehicle must maintain Collision coverage during entire claim-free policy term

No Cost
Accident Forgiveness

    Waives first surchargeable accident and resulting loss of SDIP Excellent Driver Plus discount.

    • Can save hundreds of dollars a year from surcharge and loss of Excellent Driver Plus credit

    • Added loyalty reward for existing customers

    • 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

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.

    • Protects investment in brand new vehicle

    • Makes customer whole for outstanding new car loan

    • 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

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.

    • Reduces lost value to vehicle after accident

    • Ensures better match and fit of replacement and original parts

    • Listed vehicle up to 10 model years old

    • Less than 20,000 miles

    • Auto has Collision or Comprehensive coverage

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 Rock’s 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:

Discount Amount/Coverage Parts
Annual Mileage

    5% - 10% of Parts 1,2,3,4,5,6,7,8,12

Antique Autos

    25% of Parts 1,2,4,5

Antitheft

    5% - 36% of Part 9

Driver Training

    Rate Class all Parts

Excellent Driver Discounts (SDIP)

    7% - 17% of Parts 1,2,4,7

Motorcycle Rider Training Program

    10% Parts 1,2,3,4,5,6,7,8,12

Multi Car

    5% of Parts 1,2,4,5,7,8,9

Passive Restraints

    25% of Parts 2,3,6,12

Public Transportation

    10% of Parts 4,7

Senior Citizen

    25% of final premium, all Parts