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, 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 |
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 |
Auto Insurance Discounts
Other Discounts (Massachusetts Private Passenger Auto)
For policies effective on or after April 1, 2008These 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.
| 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 |