Shopping for car insurance can be overwhelming. After all, there are many companies to choose from, insurance terms can be confusing, and the consequences of choosing the wrong coverage can be costly.
If you’re looking for help weighing options and choosing coverage, Prudential auto insurance distributed by Plymouth Rock Assurance may be worth considering. That’s because the application process involves working one-on-one with a Prudential Financial Professional who can personalize your policy. In this post, we’ll discuss who it’s for and how it works.
What is Prudential Financial?
Prudential is a Fortune 500 company that offers life insurance, annuities, retirement services, mutual funds, and investment management services to customers across the United States, Asia, Europe, and Latin America.
The company was founded in 1875 by an insurance agent named John Fairfield Dryden. Fast forward 146 years and Prudential has $4 trillion in active life insurance policies and 41,671 employees and sales associates worldwide.
What insurance does Prudential offer?
Prudential offers a wide range of insurance services and insurance products, including several different types of life insurance. Assurance, a Prudential company, is also a provider of health insurance policies.
Car insurance is available as well, but not directly through Prudential. Auto insurance policies are for New Jersey residents and distributed through Plymouth Rock Assurance.
Prudential policies for New Jersey residents meet the minimum auto insurance coverage required by the state. Here are the minimum state requirements in detail:
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $5,000 per accident
- Personal injury protection: $15,000 per person or accident
- Uninsured/underinsured moderate coverage: $15,000 per person and $30,000 per accident
Auto insurance customers also have the option to add other types of protection to the policy, such as collision and comprehensive coverage. Collision covers you if you collide with another car or object. Comprehensive coverage protects you from damage caused by other events, such as vandalism or fire. Full coverage car insurance — a policy that includes liability, collision, and comprehensive coverage — may be worthwhile if you have an expensive car or spend a lot of time driving. A lender could even require full coverage if you finance a car.
In addition to the coverage options above, Plymouth Rock Assurance offers exclusive Assurance Packages that provide extra benefits, such as car rental coverage, roadside assistance, waiver of the deductible for windshield replacements, and more.
How does Prudential auto insurance work?
If interested in Prudential auto insurance, New Jersey residents have to go through Plymouth Rock Assurance by contacting a local Prudential Financial Professional for a car insurance quote.
Once insured, you can contact the Prudential Financial Professional for help filing a claim when necessary, or you can file a claim by phone or online. You can also track your claim through the online claim tracking system, which means no need to play phone or email tag with an agent.
On top of the online account services, policyholders may also get the following perks:
- Guaranteed Repair Shops: Plymouth Rock Assurance recommends auto repair shops where the company guarantees work performed.
- Door to Door Valet Claim Service: Plymouth Rock Assurance will pick up your car and deliver it to the repair shop and return it after work is complete.
- Car Watch Repair Monitoring: Plymouth Rock Assurance will follow up on the progress of repairs with the auto repair shop to keep you informed of what’s happening.
- Get Home Safe: If you’re unable to drive, Plymouth Rock Assurance offers a one-time, one-way taxi fare reimbursement.
- Crashbusters: Plymouth Rock Assurance has a mobile claim service where a representative travels to handle the claim process.
- Exclusive deals: The company throws in some fun policyholder perks as well. The Prudential Center Assurance Plus Endorsement gives you access to New Jersey Devils’ ticket offers, open skate days, and more.
How to maximize your savings with Prudential auto insurance
Plymouth Rock Assurance offers several ways to save money on car insurance. You could potentially get a discount for driving experience, quote shopping in advance, receiving electronic statements, bundling your homeowners and auto insurance policies, and getting a defensive driving certificate. Plus, if you have an annuity or life insurance with Prudential, you may also qualify for a 5% discount.
FAQs about Prudential auto insurance
Is Prudential auto insurance legit?
Prudential is a legitimate company that’s been in business for over a century. It has an A.M. Best rating of A+, which indicates the company is financially sound. Plymouth Rock Assurance — the company through which Prudential distributes car insurance — has been around for over 30 years and offers several policyholder benefits, such as insurance discounts, online account management, and car pickups when you need repairs. Plymouth Rock Assurance also has a strong A.M. Best rating of A-.
How long does it take to get a policy with Prudential auto insurance?
Plymouth Rock Assurance, which distributes auto insurance policies for Prudential, doesn’t mention how long it’ll take to obtain car insurance on its website. However, it does mention that applying to get a quote could take just a few minutes. If you have specific questions about how long it takes to get a policy, consider reaching out to a local insurance agent.
What types of coverage does Prudential auto insurance offer?
Prudential auto coverage distributed through Plymouth Rock Assurance includes bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist coverage. Car owners also have the option to add on collision and comprehensive coverage.
Extra coverage is available for roadside assistance, rental cars, and more. A Prudential Financial Professional can run through options and help you choose the appropriate coverage.
How do you contact Prudential auto insurance?
You can call to discuss auto insurance with one of the Prudential Financial Professionals listed on the Plymouth Rock Assurance website. To shop for insurance rates, you can request a quote over the phone by calling 844-325-9443 or submit an online quote request on the agent’s website.
If you’re insured and need to file a claim, you can contact your Prudential Financial Professional or file a claim online. From there, a claim representative will help you through the rest of the insurance claim process. You can also track the progress of your claim in your online account.
How to get started with Prudential auto insurance
If you’re wondering how to get car insurance with Prudential, the process is a bit different than going to the main website and filling out a quote request. You have to find an agent through Plymouth Rock Assurance insurance agency and then request a quote from their website.
When you’re ready to check rates, here’s the information that you’ll be asked for:
- Full name
- Date of birth
- Name of your current insurance company and your current coverage (this can be found on your current policy’s declarations page)
- How you plan to use the car
- The number of years you’ve been continuously insured
After providing the information, you’ll get a personalized quote from a Prudential professional.
Prudential car insurance through Plymouth Rock Assurance is not available to everyone. If you live outside of The Garden State, you’ll have to shop around for other insurers. Fortunately, FinanceBuzz makes it simple to compare quotes from the best car insurance companies online.
Even if you do decide to shop for Prudential insurance, you could still benefit from comparing rates and terms from other insurance providers to see what’s out there. Choosing auto insurance is important — carrying more coverage than you need can be a waste of money, and having too little coverage can be hard on your wallet if you get into an accident. With multiple auto insurance quotes on the table, you’re in a better position to determine which coverage is right for you.