Be a part of our Plymouth Rock Family

Plymouth Rock, being one of the companies we represent I thought I give you some information:


For 25 years, Plymouth Rock has offered a better option for auto insurance.

With Plymouth Rock, you'll get:
Competitive rates and innovative product features.
Experienced, professional agents who strive to exceed your auto insurance expectations.
A local company with employees who live, work and drive here just like you.
Our exclusive MYLESSM(Make Your Life Easier Services) program designed to save you time and money
Convenient eServices including online bill payment, email reminders for vehicle inspection due dates and more

Plymouth Rock Assurance Corporation has provided automobile insurance to New England drivers for nearly 25 years. We are the flagship company of the Plymouth Rock Group of Companies, headquartered in Boston, Massachusetts.
Customers consistently choose Plymouth Rock because we provide more than just insurance – we offer the added assurance of great value, ease, and service. Our commitment to delivering more than just insurance has made our agents and policyholders among the most loyal in the industry, and earned us praise from Boston Consumers’ Checkbook. We have also received an "A-/Excellent" rating from the A.M. Best Company, the insurance industry’s premier rating service.
We’re proud to be represented by the best independent insurance agents in New England – experienced insurance professionals who thoughtfully advise and guide drivers as they shop for insurance.
The Plymouth Rock Group of Companies writes and manages more than $1 billion in personal and commercial auto and homeowner’s insurance across the Northeast. The Group includes Plymouth Rock Assurance Corporation, Pilgrim Insurance Company, and Bunker Hill Insurance Company in Massachusetts and Connecticut, Mt. Washington Assurance Corporation in New Hampshire, and Palisades Safety & Insurance, High Point Insurance, and Teachers Auto Insurance Company in New Jersey.
Plymouth Rock Assurance Corporation is licensed to do business in Massachusetts and Connecticut. Our principal office is located at 695 Atlantic Avenue, Boston, Massachusetts 02111. [https://www.prac.com/about-us/index.asp]



Click here https://mylesereminders.prac.com/ --- to sign up for FREE REMINDERS About License And Registration Renewals And Annual Vehicle Inspection Via Email - EVEN IF YOU ARE NOT A PLYMOUTH ROCK CUSTOMER


Call today for your auto insurance quote!
781-749-6960

The First Thanksgiving

In 1621, the Plymouth colonists and Wampanoag Indians shared an autumn harvest feast which is acknowledged today as one of the first Thanksgiving celebrations in the colonies. This harvest meal has become a symbol of cooperation and interaction between English colonists and Native Americans. Although this feast is considered by many to the very first Thanksgiving celebration, it was actually in keeping with a long tradition of celebrating the harvest and giving thanks for a successful bounty of crops. Native American groups throughout the Americas, including the Pueblo, Cherokee, Creek and many others organized harvest festivals, ceremonial dances, and other celebrations of thanks for centuries before the arrival of Europeans in North America.
Historians have also recorded other ceremonies of thanks among European settlers in North America, including British colonists in Berkeley Plantation, Virginia. At this site near the Charles River in December of 1619, a group of British settlers led by Captain John Woodlief knelt in prayer and pledged "Thanksgiving" to God for their healthy arrival after a long voyage across the Atlantic. This event has been acknowledged by some scholars and writers as the official first Thanksgiving among European settlers on record. Whether at Plymouth, Berkeley Plantation, or throughout the Americas, celebrations of thanks have held great meaning and importance over time. The legacy of thanks, and particularly of the feast, have survived the centuries as people throughout the United States gather family, friends, and enormous amounts of food for their yearly Thanksgiving meal.
What Was Actually on the Menu?
What foods topped the table at the first harvest feast? Historians aren't completely certain about the full bounty, but it's safe to say the pilgrims weren't gobbling up pumpkin pie or playing with their mashed potatoes. Following is a list of the foods that were available to the colonists at the time of the 1621 feast. However, the only two items that historians know for sure were on the menu are venison and wild fowl, which are mentioned in primary sources. The most detailed description of the "First Thanksgiving" comes from Edward Winslow from A Journal of the Pilgrims at Plymouth, in 1621:

"Our harvest being gotten in, our governor sent four men on fowling, that so we might after a special manner rejoice together after we had gathered the fruit of our labors. They four in one day killed as much fowl as, with a little help beside, served the company almost a week. At which time, among other recreations, we exercised our arms, many of the Indians coming amongst us, and among the rest their greatest king Massasoit, with some ninety men, whom for three days we entertained and feasted, and they went out and killed five deer, which they brought to the plantation and bestowed upon our governor, and upon the captain, and others. And although it be not always so plentiful as it was at this time with us, yet by the goodness of God, we are so far from want that we often wish you partakers of our plenty."

source:[ http://www.history.com/content/thanksgiving/the-first-thanksgiving]

What exactly is auto insurance?

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months to a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.



What is in a basic auto policy?

Your auto policy may include six coverages. Each coverage is priced separately.

1. Bodily Injury Liability

This coverage applies to injuries you, the designated driver or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission.

It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

3. Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

4. Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.

5. Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may insist you carry it until your loan is paid off.

6. Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

SDIP - How to figure out your Massachusetts Driving Record

*RULE 56. THE SAFE DRIVER INSURANCE PLAN (SDIP)


The following summary is a general overview of the Safe Driver Insurance Plan (SDIP) and its impact on underlying rates. For specific details, you can visit the Massachusetts Merit Rating Board.

Surcharge Points/Experience Period

Each listed operator on a policy is assigned an Operator Surcharge Factor or a Credit Factor based on the operator’s driving history record. The Operator Surcharge Factor is the factor applied to the otherwise applicable rate which reflects the number, type, and age of Surchargeable Incidents during the Policy Experience Period. The Credit Factor is either the Excellent Driver Discount, awarded to operators with Incident-Free Periods of more than five but less than six years, or the Excellent Driver Discount Plus, awarded to operators with Incident-Free Periods of at least six years. The Experience Period is the six year period immediately preceding the effective date of the policy. The points for the 2006 policy year, and subsequent policy years, will range from 0 to 45; the Commissioner may establish or modify this point range annually. The Merit Rating Board will compute and report to the Insurer the total number of operator Surcharge Points or Credits for each listed operator.

Classification of Surcharge Points

SDIP surcharge points are assigned as follows:

Minor traffic law violation 2 points

Minor at-fault accident 3 points

Major at-fault accident 4 points

Major traffic law violation 5 points

A claim payment for Bodily Injury Liability, Damage to Someone Else’s Property, Collision or Limited Collision of at least $500 and up to $2,000 constitutes a minor at-fault accident. A claim payment of more than $2,000 constitutes a major at-fault accident. An “at-fault” accident is one in which the company determines that the listed operator is more than 50% at fault.

Surcharge points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation or if it occurs in the sixth (oldest) year in the operator’s six year Policy Experience Period.

If you have further questions about the system of surcharges and credits that apply in the Massachusetts Safe Driver Insurance Plan, you can reach a Consumer Service Representative at the Merit Rating Board any weekday from 8:30 AM to 5:00 PM by calling 617-351-4400.


source[http://www.massautoquote.com/blog/?tag=ma-driving-record]

RMV Interactive Web Service

Patrick-Murray Administration Unveils First RMV Interactive Web Service
New online experience makes it easier to get a new license at branches

(Springfield, MA) - Massachusetts Department of Transportation (MassDOT) officials today launched a new interactive web experience for Registry of Motor Vehicle customers at the Springfield branch where the service was first piloted. First-time drivers and new residents who want to convert their out-of-state license can now pre-stage their permit or new license application online at www.mass.gov/rmv. The program is expected to speed up the time it takes to process new license transactions and eliminate repeat visits to branches.

"This is an important milestone for the RMV because new license transactions can't be done online and drive the wait times at most branches," said MassDOT Secretary & CEO Jeffrey B. Mullan. "Using new technology to deliver more efficient government service is just the kind of reform you'll be seeing a lot more of from MassDOT divisions."

The program takes the applicant through the new license process then prints a completed application that's tailored by their responses to a series of questions. The applicant also receives a check list of necessary documents to bring to a branch. In an RMV customer survey last October, 18% of respondents said their license transaction couldn't be completed in one branch visit because of problems with their documents, 13% reported they were back for a second visit to get a new license.

"You would be amazed at the number of permit or new license applicants who do not bring sufficient identity documents with them," said Registrar Rachel Kaprielian. "Proving identity is a tedious, rule-based process that this online tool will make easier and less time-consuming and better prepare applicants to get a permit or new license and that will benefit all our customers.

The RMV also plans on implementing several future stages of the new program that are expected to significantly improve customer traffic at branches. The second phase will make branch appointments available to customers who pre-stage their license applications. The third stage will enable customers to pre-stage almost all other license transactions from license renewals to ordering a duplicate license while the final stage will offer website customers the chance to view more detailed information about why a license can't be renewed because of unpaid parking tickets or suspensions.

MassDOT's RMV division serves more than 4.7 million licensed drivers and handles 5.9 million vehicles. In the last two years, 11 new services have been added to the RMV website virtual branch which now conducts 1.8 million transactions a year.

Through transportation reform promoted by the Patrick-Murray Administration, the RMV division has saved hundreds of thousands of dollars by consolidating RMV office space and use of rent-free locations for new express branches.

For transportation news and updates visit the MassDOT blog at www.mass.gov/blog/transportation or follow MassDOT on Twitter at www.twitter.com/massdot.


source:[http://www.mass.gov/rmv/rmvnews/2009/pr_111209prestage.htm]