Discounts & benefits for auto insurance in New Jersey

Home > Insurance > Auto > New Jersey Auto Insurance > Discounts & Benefits for Auto Insurance in New Jersey

Switch and save with Plymouth Rock

Are you a safe driver? Do you own your home or condominium? These are just a couple of the ways you can save money with auto insurance discounts through Plymouth Rock in NJ.

You may be eligible for other discounts if you haven’t submitted a claim or been in an at-fault accident, have recently completed a state-approved defensive driving course or insure your home through our company. You could also save if students on your policy have good grades.

You can save even more if you choose to pay your premium in full at the start of your policy or request an effective date of coverage at least two days after the date your quote is provided.

Whether you choose to work with an insurance professional or a local independent agent, you’ll get expert advice to make sure you get all of your car insurance discounts.

Find an agent

Discounts

Driver improvement discount

If you’re 55 or older and complete a driver improvement course, you could save money.

5-year claim-free discount/claims experience discount

Save when you’re incident free for the past 5 years and over the age of 22.

Safe drivers

Maintaining a clean driving record helps keep premiums low.

Driver training discount

You may be eligible for other discounts if you have recently completed a state-approved defensive driving course.

New driver family discount

For policyholders who have been insured by us for over two years and have a licensed driver under the age of 19 listed on their policy.

Bundling discounts

Save money when you have multiple insurance policies, such as auto and homeowners, with Plymouth Rock.

Companion policy

Save on car insurance with our homeowner discount when you bundle home insurance with your auto policy.

Student away at school

If you have a student away at school who doesn’t have regular access to the vehicles on your policy, you can take advantage of our discount.

Multi car

Save by having multiple cars listed on the same policy. Our Multi-Car discount ensures you get the best value and makes it easy to manage auto insurance for all your vehicles.

Plymouth Rock Assurance policyholder perks

You deserve more than just insurance. That’s our view. We don’t think it’s enough to just offer reliable insurance protection — your expectations should be exceeded. From adding extra coverages to helping to prevent accidents, we give each and every one of our policyholders great perks, all at no extra cost.

Teachers insurance plan

Get Home Safe®

If you find yourself in a situation where you don’t feel safe driving, Plymouth Rock will pick up the tab for your cab or rideshare fare home.

Your team. Your insurance.

If you live in the Northeast, there’s a good chance you love sports. That’s why Plymouth Rock has joined up with some of your favorite teams to get access to tickets and other special perks.

New York Yankees

Join our one-of-a-kind Pinstripe Perks program.

Exclusive rates for NJ educators

Did you know Teachers’ Insurance Plan of NJ is the only car insurance company to exclusively serve New Jersey’s educational community? That means we’re able to offer great low rates and unique benefits to teachers and support staff! Join the thousands of educators, and their family members, who are already taking advantage of our special rates and request your quote today.

Car insurance discounts for students in NJ

Policyholders may also take advantage of car insurance discounts for students in NJ. Whether you have a student on your policy, or are a student looking to lower your own rate, car insurance discounts for students in NJ can be a smart way to lower the price you pay for insurance.

To get a Good Student Discount*, the student must be under 22 years old and be a full-time high school, college or university student and meet one of the following criteria: be in the upper 20% of their class scholastically; have a minimum of a B average; a minimum of a three on a four-point grade scale; or be included on a Dean’s List or Honor Roll. When you get your Plymouth Rock quote, we’ll ask you if any of the drivers on your policy are students under 22 and determine if they are eligible for a Good Student Discount. All you need to do is send in a recent report card or signed letter from the student’s school administrator.

And we don’t stop there! We also offer other student and young driver discounts that may help you lower your premium. Find out more about our New Driver Family Discount, Away at School Discount*, Driver Training Discount and our Defensive Driver Discount.

How to lower car insurance costs in New Jersey

So you want to lower your car insurance costs. Please keep in mind that, in some cases, saving money on your policy means you will be assuming more risk. Always make sure you have the appropriate level of coverage to meet your unique needs. Some ways you may decrease your car insurance rates are by choosing higher deductibles, selecting healthcare primary, driving safely, dropping coverage for older cars and adding discounts. We offer a variety of discounts to professional associations, community colleges, gyms, and other organizations in New Jersey that can save you money.

In addition to saving money, you’ll be able to save time with special customer programs designed to take care of your insurance needs quickly. You can also read information about full auto insurance coverage, loan or lease gap insurance, and comprehensive coverage.