Question 1

Can I save money on car insurance in New Jersey by switching providers?

Accepted Answer

Comparing quotes from different insurance companies is the best place to start when shopping for car insurance. Factors such as your driving behavior, the vehicle’s age, make, and model can also determine how much you can expect to pay or save. Thinking of switching your car insurance to Plymouth Rock? Get a free quote online.

Question 2

How can I lower my car insurance premium?

Accepted Answer

There are a few things you can do to lower your car insurance premium.  Enroll in a telematics or usage-based program - Some car insurance providers offer discounts for safe driving behaviors when tracked through an app or plug-in device. Bundle your policies - Combining car insurance with home, renters, or condo insurance typically provides a multi-policy discount. Increase your deductible - Selecting a higher deductible can significantly reduce your premium. Just be sure  you’re comfortable paying a higher amount in the event of a claim. Review and update your policy annually - Small changes like driving fewer miles, removing outdated drivers, or adjusting coverage for an older vehicle can reduce your premium and keep your policy aligned with your driving needs.

Question 3

What are the minimum car insurance requirements in New Jersey?

Accepted Answer

Under the law in the state of New Jersey, all drivers are required to have liability insurance. This means a standard auto policy in New Jersey is required to have four lines of coverage: Personal Injury Protection (PIP), bodily injury liability (BI) coverage, uninsured/underinsured motorist (UM/UIM) coverage, and coverage for damage to someone else’s property (PD).

Question 4

Do I need collision coverage in New Jersey?

Accepted Answer

Collision coverage is optional in New Jersey, not a requirement. It can help you pay for physical damages to your car if you’re involved in a covered accident.

Question 5

Q: Is car insurance mandatory in Massachusetts?

Accepted Answer

A: Every driver in Massachusetts must carry certain basic coverage. These coverages include bodily injury liability (BI), property damage liability (PD), personal injury protection (PIP), and uninsured motorist (UM) coverage.

Question 6

Q: Does my driving record affect my car insurance?

Accepted Answer

A: Yes, your driving record is a factor. Accidents, traffic violations, or claims can increase your premium, while a clean record may help you qualify for lower rates.

Question 7

Q: What is the difference between collision and comprehensive car insurance?

Accepted Answer

A: In Massachusetts, collision and comprehensive coverages are optional. Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Comprehensive coverage helps pay for damage to your car in situations not related to a collision, such as natural disasters, theft, fire, vandalism, damage caused by hitting an animal, and more. Plymouth Rock offers collision and comprehensive coverages as optional coverages for car insurance.

Question 8

Q: What is telematics in car insurance?

Accepted Answer

Telematics is a method that car insurance companies use to collect information on driving behavior. It is not a requirement for car insurance. When activated, details like speed, breaking, and other driving habits are tracked in the form of an app installed on a phone or a device added to a vehicle. Plymouth Rock has their own telematics program for Massachusetts drivers called DriveSavelySM that rewards participants with a discount for good driving behavior.

Question 9

Q: Is Massachusetts a no-fault state?

Accepted Answer

A: Yes, Massachusetts is a no-fault state. which means you are required to carry Personal Injury Protection, or PIP, on your car insurance policy. This provides medical coverage for you and your passengers if there’s an accident, no matter who was at fault. When it comes to claims, your PIP coverage can only pay up to $8,000 per person minus your deductible.

Question 10

Q: What are the minimum requirements for car insurance in New York?

Accepted Answer

A: New York state law requires that you carry four types of compulsory insurance. Compulsory insurance is the minimum amount of coverage required by law. This includes bodily injury liability (BID), property damage liability (PD), personal injury protection (PIP), and uninsured/underinsured motorist (UM/UIM) coverage.

Question 11

Q: What are the liability coverage limits for drivers in New York?

Accepted Answer

A: According to the New York Department of Motor Vehicles, the minimum amount of liability coverage for most vehicles is $10,000 for property damage per accident, $25,000 for bodily injury per person, and $50,000 for bodily injury liability per accident.

Question 12

Q: Is New York a no-fault state? What does that mean?

Accepted Answer

A: Yes, New York is a no-fault state, which means you are required to have Personal Injury Protection, or PIP, as part of your car insurance policy. This provides medical coverage for you and your passengers if there is an accident, no matter who is at fault.

Question 13

Q: What is an underinsured driver?

Accepted Answer

A: An underinsured driver is someone who has liability insurance, but not enough to cover your injuries due to an accident. New York state requires a minimum limit of $25,000 per person and $50,000 per accident.

Question 14

Q: How much car insurance do I need?

Accepted Answer

A: A few factors impact how much car insurance you need. First, you must carry the minimum coverage as required by the state you live in. Next, consider how often and far you drive, as well as whether you want extra protection like collision or comprehensive coverage. You should also think about personal risk, your car’s value, your budget, and how much you are willing to spend on a deductible.

Question 15

Q: What is "full coverage" car insurance?

Accepted Answer

A: Full coverage is a term that describes a collection of coverage options that exceed the minimum coverages mandated by state law. It is not an actual type of coverage but rather, it refers to policies that include a combination of coverages such as liability, collision, and comprehensive.

Question 16

Q: What’s the difference between collision and comprehensive car insurance?

Accepted Answer

A:  Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Comprehensive coverage helps pay for damage to your car in situations not related to a collision, such as natural disasters, theft, fire, vandalism, damage caused by hitting an animal, and more. Plymouth Rock offers collision and comprehensive coverages as optional add-ons to your car insurance.

Question 17

Q: What does total loss mean for my vehicle?

Accepted Answer

A: A “total loss” happens when your car is damaged so badly that the cost to repair it is higher than the vehicle’s actual cash value. In that case, your insurance company will consider the car a total loss and will pay you the value of the vehicle.

Question 18

Q: Do I need to transfer a car title on a dealership trade-in?

Accepted Answer

A: Whether you hold the title to your car (meaning you own it free and clear), or you’re still making monthly car payments on it, you will be required to transfer the title upon the sale of that vehicle.

Question 19

Q: What is "full coverage" car insurance?

Accepted Answer

A: Full coverage is a term that describes a collection of coverage options that exceed the minimum coverages mandated by state law. It is not an actual type of coverage but rather, it refers to policies that include a combination of coverages such as liability, collision, and comprehensive.

Question 20

Q: What’s the difference between collision and comprehensive car insurance?

Accepted Answer

A:  Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Comprehensive coverage helps pay for damage to your car in situations not related to a collision, such as natural disasters, theft, fire, vandalism, damage caused by hitting an animal, and more. Plymouth Rock offers collision and comprehensive coverages as optional add-ons to your car insurance.

Question 21

Q: What does total loss mean for my vehicle?

Accepted Answer

A: A “total loss” happens when your car is damaged so badly that the cost to repair it is higher than the vehicle’s actual cash value. In that case, your insurance company will consider the car a total loss and will pay you the value of the vehicle.

Question 22

Q: Do I need to transfer a car title on a dealership trade-in?

Accepted Answer

A: Whether you hold the title to your car (meaning you own it free and clear), or you’re still making monthly car payments on it, you will be required to transfer the title upon the sale of that vehicle.

Question 23

Q: What is "full coverage" car insurance?

Accepted Answer

A: Full coverage is a term that describes a collection of coverage options that exceed the minimum coverages mandated by state law. It is not an actual type of coverage but rather, it refers to policies that include a combination of coverages such as liability, collision, and comprehensive.

Question 24

Q: What’s the difference between collision and comprehensive car insurance?

Accepted Answer

A:  Collision coverage helps pay to repair or replace your car after a collision with another vehicle or stationary object. Comprehensive coverage helps pay for damage to your car in situations not related to a collision, such as natural disasters, theft, fire, vandalism, damage caused by hitting an animal, and more. Plymouth Rock offers collision and comprehensive coverages as optional add-ons to your car insurance.

Question 25

Q: What does total loss mean for my vehicle?

Accepted Answer

A: A “total loss” happens when your car is damaged so badly that the cost to repair it is higher than the vehicle’s actual cash value. In that case, your insurance company will consider the car a total loss and will pay you the value of the vehicle.

Question 26

Q: Do I need to transfer a car title on a dealership trade-in?

Accepted Answer

A: Whether you hold the title to your car (meaning you own it free and clear), or you’re still making monthly car payments on it, you will be required to transfer the title upon the sale of that vehicle.

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New Hampshire Car Insurance

Get an auto insurance quote quickly

Car insurance discounts and benefits

New driver family discount

Bundling discounts

Advanced shopper discount

Got questions? You're not alone.

Coverage options available

Auto insurance resources

How to get car insurance in New Hampshire

What is the minimum car insurance coverage in New Hampshire?

Is NH a No Fault state?

How much is car insurance in New Hampshire?

Download our mobile app

New England Patriots

Boston Red Sox

Boston Bruins

New Hampshire
Car Insurance

Get an auto insurance quote quickly 

New England
Patriots

Boston
Red Sox

Boston
Bruins