Erie vs Plymouth Rock Car Insurance for 2023
Explore the nuanced differences between Erie and Plymouth Rock car insurance, uncovering competitive rates, extensive coverage options, and top-tier customer service, aiding your informed decision-making process.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factor | Erie | Plymouth Rock |
|---|---|---|
| Clean Record | $58 | $142 |
| 1+ Ticket | $70 | $197 |
| 1+ Accident | $82 | $248 |
| DUI | $107 | $315 |
| Poor Credit | $100 | $244 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Erie | Plymouth Rock |
|---|---|---|
| Safe Driver | 7% | 37% |
| Low Mileage | 11% | 11% |
| Anti Theft | 9% | 19% |
| Paperless | 6% | 8% |
| Senior Driver | 16% | 12% |
| Good Student | 12% | 26% |
Erie Car Insurance
Pros:
- Competitive and affordable rates.
- Extensive coverage options, including unique add-ons.
- Innovative Rate Lock feature for rate stability.
- Top-rated customer service and personalized attention.
Cons:
- Limited availability, operating in 12 states and the District of Columbia.
- Potential variations in rates based on location and driving history.
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Plymouth Rock Car Insurance
Pros:
- Technologically-driven convenience with a user-friendly mobile app.
- Personalized coverage options, including roadside assistance and accident forgiveness.
- Strong reputation for innovative technology.
- Operates in six states.
Cons:
- Limited availability compared to nationwide insurers.
- Rates may vary based on individual driving history.
Choosing the Right Path: Erie vs. Plymouth Rock
As you navigate the complex landscape of car insurance, the decision between Erie and Plymouth Rock stands as a pivotal choice. While both companies boast commendable attributes, a closer examination suggests a leading contender based on rates and offerings. Here are the following reasons why Erie stands out:
Competitive Rates: Erie consistently provides competitive and affordable insurance rates, ensuring cost-effectiveness for policyholders.
Extensive Coverage Options: Erie’s array of coverage options, including unique add-ons like pet coverage and personal item coverage, gives policyholders comprehensive protection tailored to their needs.
Rate Lock Feature: Erie’s innovative Rate Lock feature guarantees stability in rates, offering peace of mind as rates remain unaffected unless policy changes are made.
Top-Rated Customer Service: With a long-standing reputation for top-tier customer service, Erie prioritizes personalized attention, ensuring policyholders receive near-perfect protection and service.
While Plymouth Rock offers notable features, Erie emerges as the preferred choice for those seeking a combination of affordability, extensive coverage, rate stability, and exceptional customer service.
Company History and Mission
Erie Insurance was founded in 1925 in Erie, Pennsylvania, by H.O. Hirt and O.G. Crawford. Today, Erie is a Fortune 500 company that operates in 12 states and the District of Columbia, offering auto, home, business, and life insurance. Erie’s mission is to “provide our policyholders with as near perfect protection, as near perfect service, as is humanly possible, and to do so at the lowest possible cost.”
Plymouth Rock Assurance was founded in 1982 in Boston, Massachusetts, by James Stone. Plymouth Rock operates in six states, offering auto and home insurance, as well as umbrella insurance and pet insurance. Plymouth Rock’s mission is to “make insurance easy, fast, and hassle-free.”
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Products and Services
Erie offers a variety of coverage options for their auto insurance policies, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Erie also offers additional coverage options such as pet coverage, rental car reimbursement, and personal item coverage. Erie’s policies are available in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and the District of Columbia.
Plymouth Rock offers similar coverage options for their auto insurance policies, as well as additional options such as roadside assistance, new car replacement, and accident forgiveness. Plymouth Rock’s policies are available in Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.
Cost and Discounts
The cost of car insurance varies based on a variety of factors, including driving history, age, and location. Erie and Plymouth Rock both offer discounts to help customers save money on their policies.
Erie offers discounts for safe driving, multi-car policies, and completing a driver’s education course, among others. Erie also offers a “Rate Lock” feature that guarantees customers’ rates will not increase unless they make changes to their policies.
Plymouth Rock offers discounts for safe driving, bundling policies, and having a good credit score, among others. Plymouth Rock also offers a mobile app that rewards safe driving habits with cashback rewards.
Case Studies: Erie vs Plymouth Rock Car Insurance
Case Study 1: The Technology-driven Convenience
John, a policyholder with Plymouth Rock, valued the convenience and efficiency provided by the company’s technological solutions. Through Plymouth Rock’s user-friendly mobile app, John could easily access his policy information, make payments, and even file claims directly from his smartphone.
The seamless digital experience offered by Plymouth Rock allowed John to manage his insurance matters conveniently and on the go.
Case Study 2: The Customized Coverage Options
Emily, a policyholder with Erie, sought coverage tailored to her specific needs. She contacted Erie’s customer service for guidance. The representative informed Emily about Erie’s ability to customize coverage options, ensuring that she had the specific protection required for her situation. Emily appreciated Erie’s commitment to providing personalized coverage solutions.
Case Study 3: The Enhanced Benefits and Discounts
Mark, a policyholder with Plymouth Rock, discovered the enhanced benefits and discounts offered by the company. As a safe driver, Mark was pleased to learn that Plymouth Rock rewarded his good driving behavior with lower premiums and additional benefits like accident forgiveness. These perks further incentivized Mark to maintain safe driving practices.
Case Study 4: The Local Presence
Jane, a policyholder with Erie, valued the local presence and community involvement of the company. She appreciated the accessibility of Erie’s local agents, who were familiar with the area and readily available to address her insurance concerns. Jane felt a sense of trust and reliability due to Erie’s strong local presence.
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Erie vs Plymouth Rock: A Comprehensive Comparison With a Focus on Claims Process
Ease of Filing a Claim (online, over the phone, mobile apps)
Both Erie and Plymouth Rock offer convenient ways to file insurance claims. Customers can file claims through online portals, mobile apps, and over the phone. This ensures flexibility and ease for policyholders when they need to report an incident.
Average Claim Processing Time
The average claim processing time can significantly impact a policyholder’s experience. While specific processing times may vary depending on the nature of the claim, both Erie and Plymouth Rock strive for efficient and prompt claim handling. Customers can expect their claims to be processed in a timely manner to minimize disruptions.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Both Erie and Plymouth Rock have received positive reviews for their responsive and effective claim resolutions. Policyholders appreciate the support and guidance provided during the claims process, resulting in satisfactory payouts.
Erie vs Plymouth Rock: Unraveling Digital Excellence – A Detailed Exploration of Technological Features
Mobile App Features and Functionality
Both Erie and Plymouth Rock offer mobile apps with user-friendly features and functionality. These apps allow policyholders to access their insurance information, make payments, and even file claims directly from their smartphones. The convenience of mobile apps enhances the overall customer experience.
Online Account Management Capabilities
Policyholders can manage their insurance policies conveniently through online account management platforms provided by Erie and Plymouth Rock. These platforms offer tools to view policy details, update information, and access important documents. It simplifies policy management and keeps customers informed.
Digital Tools and Resources
In addition to mobile apps and online account management, both Erie and Plymouth Rock offer digital tools and resources to assist policyholders. These resources may include educational materials, calculators, and guides to help customers make informed decisions about their insurance coverage.
Customer Reviews
Erie has a strong reputation for excellent customer service and financial stability. Erie has an A+ rating with the Better Business Bureau and has been named one of the top insurance companies by J.D. Power.
Plymouth Rock is known for their innovative technology and personalized approach to insurance. Plymouth Rock has an A rating with the Better Business Bureau and has received positive reviews for their easy-to-use mobile app.
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Frequently Asked Questions
How do I qualify for discounts with Erie or Plymouth Rock?
Each company has different qualifications for discounts, such as safe driving records or bundling policies. Check with each company for specific details.
Does Erie or Plymouth Rock offer roadside assistance?
Yes, both Erie and Plymouth Rock offer roadside assistance as an additional coverage option for their auto insurance policies.
What is Erie’s Rate Lock feature?
Erie’s Rate Lock feature guarantees that a customer’s rates will not increase unless they make changes to their policies. This means that even if there are changes in the customer’s driving record or insurance market trends, their rates will remain the same.
How do I file a claim with Erie or Plymouth Rock?
Both Erie and Plymouth Rock have easy-to-use mobile apps and online portals where customers can file claims. Customers can also file claims by phone with a customer service representative.
Is Plymouth Rock available nationwide?
No, Plymouth Rock operates in six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.