New Jersey Skylands vs. Plymouth Rock Assurance: Which Company is the Best Fit for You?

Quick Facts

• In general, Plymouth Rock Assurance offers significantly more affordable rates than New Jersey Skylands
• New Jersey Skylands may help you save more money -- they offer more discounts than Plymouth Rock Assurance
• Plymouth Rock Assurance has cheaper prices for policyholders who have a short commute

New Jersey Skylands or Plymouth Rock Assurance: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering considerable savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to New Jersey Skylands or Plymouth Rock Assurance as your top options, but which company will save you the most?

Looking at nationwide averages, Plymouth Rock Assurance is quite a bit cheaper than New Jersey Skylands, with premiums averaging $274 a month compared to $460 with New Jersey Skylands.

That being said, that doesn't mean Plymouth Rock Assurance will necessarily be less expensive than New Jersey Skylands for every driver. Car insurance carriers vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and tons of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

So, if you want to find out which of New Jersey Skylands or Plymouth Rock Assurance is really the best for you, keep reading to see average rates for each carrier broken down by lots of different rate factors.

New Jersey Skylands vs. Plymouth Rock Assurance: Average Car Insurance Rates by State

New Jersey Skylands and Plymouth Rock Assurance only compete against each other in New Jersey, where Plymouth Rock Assurance offers the cheaper average premiums. Plymouth Rock Assurance drivers tend to pay about $145 per month less on average compared to drivers who use New Jersey Skylands for their insurance.

That being said, there's a lot more that goes into your auto insurance payment than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. That's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Plymouth Rock Assurance for their insurance pay almost 15% less than those who use New Jersey Skylands.

Even so, with both companies, you'll see your prices drop significantly once you turn 25. Plymouth Rock Assurance offers the steepest drop, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. New Jersey Skylands's average premiums decrease nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

When looking at New Jersey Skylands and Plymouth Rock Assurance specifically, which company is best for retired drivers? Plymouth Rock Assurance gets the edge, with rates for drivers 65 and older $193 more affordable than the national average for New Jersey Skylands.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically cheaper for married drivers than they are for those who are single? That's because policies for married policyholders generally cover more than one vehicle, which many carriers will give you a discount for.

For single drivers, the difference in average prices between these two companies is significant, with Plymouth Rock Assurance rates coming in at a third less than New Jersey Skylands's. The advantage is also clear for married couples - Plymouth Rock Assurance offers the most affordable average premiums.

New Jersey Skylands or Plymouth Rock Assurance: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, women normally pay less for insurance than men.

With New Jersey Skylands, women usually pay around 2% a month less than men, but with Plymouth Rock Assurance, the difference is closer to 9% per month.

Looking at the data for each carrier specifically, Plymouth Rock Assurance offers the lowest average rates for both men and women, with average prices 38% less for men and 43% cheaper for women.

New Jersey Skylands vs. Plymouth Rock Assurance: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance isn't the easiest topic to understand. There are a range of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability limits, Plymouth Rock Assurance has the significant edge, with average monthly premiums coming in at $165. If you want a full coverage policy with the same state minimum limits, Plymouth Rock Assurance again has the edge, with policies averaging about $383 a month to New Jersey Skylands's $624.

Is New Jersey Skylands or Plymouth Rock Assurance Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and collisions will most likely raise your rates, but is New Jersey Skylands or Plymouth Rock Assurance less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use New Jersey Skylands for their insurance can usually expect their monthly bill to go up around 17% after getting a speeding ticket. Plymouth Rock Assurance policyholders can expect a bit more drastic of an increase of about 37%.

But Plymouth Rock Assurance is typically the cheaper option for both drivers who have a recent ticket and those with clean records. With Plymouth Rock Assurance, drivers with a clean record can save around $112 per month and drivers with a speeding ticket can save about $59 a month.

Which Company is Best for Drivers After an Accident?

New Jersey Skylands drivers who get in a collision can expect to see their prices climb by over 15%, while those who have insurance through Plymouth Rock Assurance will see around a 20% increase.

At the end of the day, drivers who use Plymouth Rock Assurance end up with the cheaper prices after an accident, with average premiums coming in at $262 compared to New Jersey Skylands Insurance's $387.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. New Jersey Skylands drivers usually see a 57% increase in their insurance rates after a DUI charge, while Plymouth Rock Assurance will generally climb prices by about 30%.

But if you end up with a DUI charge and are looking for more affordable premiums, Plymouth Rock Assurance tends to be more affordable for the average driver, with monthly premiums coming in at around $296 to New Jersey Skylands's $747.

How does Credit Score Impact New Jersey Skylands and Plymouth Rock Assurance Rates?

Often times, your credit score can be used as one of the factors to determine your monthly auto insurance rates. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of policyholders out there.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is New Jersey Skylands or Plymouth Rock Assurance Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly car insurance bill? That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

In this case, neither New Jersey Skylands or Plymouth Rock Assurance report increasing premiums for drivers with higher annual mileage figures. Even so, Plymouth Rock Assurance comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $274 per month for both.

New Jersey Skylands or Plymouth Rock Assurance: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Plymouth Rock Assurance tends to offer the lowest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 48% with Plymouth Rock Assurance compared to New Jersey Skylands. People who live in suburban areas pay around 40% less with Plymouth Rock Assurance compared to New Jersey Skylands. For drivers in urban ZIP codes, Plymouth Rock Assurance's average prices are about 36% less than New Jersey Skylands Insurance.

New Jersey Skylands vs. Plymouth Rock Assurance Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts New Jersey Skylands and Plymouth Rock Assurance offer their customers so that you can see which one can save you the most money each month.

Looking at the total number of discounts, New Jersey Skylands comes out ahead with 18 discounts to Plymouth Rock Assurance's 16.

There are a couple discounts both companies offer, but New Jersey Skylands also offers discounts for company car, education, ESC, and more.

On the other hand, Plymouth Rock Assurance has a few proprietary discounts of their own for things like agency transfer discounts, driver training discounts, mature driver discounts, and more.

Final Thoughts: Is New Jersey Skylands or Plymouth Rock Assurance Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right company for you and your specific profile and needs?

Plymouth Rock Assurance might be best for you if....

• You will be the only person on the car insurance policy.
• Your neighborhood is in the suburbs.
• You live in a rural area.

New Jersey Skylands might be best for you if...

• You care about discounts (New Jersey Skylands offers the most).

Hopefully, this guide has ben a valuable resource as you compare New Jersey Skylands and Plymouth Rock Assurance. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just New Jersey Skylands and Plymouth Rock Assurance. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

New Jersey Skylands vs. Plymouth Rock Assurance FAQs

Is New Jersey Skylands or Plymouth Rock Assurance cheaper?

Plymouth Rock Assurance is the cheaper of the two carriers when looking at national average rates, with policies averaging $274 a month with Plymouth Rock Assurance and $460 for New Jersey Skylands. However, that doesn't mean Plymouth Rock Assurance will be the cheapest carrier for each policyholder, since there are several different factors that come into play when it comes to your insurance cost.

Who is better, New Jersey Skylands or Plymouth Rock Assurance?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

Why do New Jersey Skylands and Plymouth Rock Assurance offer me different rates?

Car insurance companies use quite a few different variables when determining the prices they charge. Factors like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all come into play. Both New Jersey Skylands and Plymouth Rock Assurance calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if New Jersey Skylands or Plymouth Rock Assurance is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't New Jersey Skylands or Plymouth Rock Assurance at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.