NJ Auto Insurance: Medicare Primary or Plymouth Rock Insurance?

When it comes to auto insurance in New Jersey, there are a lot of options to choose from. It can be overwhelming to decide which company and policy is best for you. Should you go with a major insurer like Allstate or GEICO, or a smaller, local one like Plymouth Rock Insurance? Should you choose Medicare Primary or a conventional policy?

What is Medicare Primary?

Medicare Primary is a type of auto insurance offered in New Jersey and other states. It works like this – if you are injured in a car accident, Medicare will pay for your medical bills. This means that you don't have to go through your auto insurance to pay for your medical bills. This is beneficial because it can save you money on your premiums, since it is likely that you will have a lower deductible with Medicare than with a conventional policy. However, it is important to note that Medicare will only cover up to $2,000 in medical expenses, so you will still need to have a conventional policy to cover any additional costs.

Plymouth Rock Insurance

Plymouth Rock Insurance is a smaller, local auto insurance company in New Jersey. They offer a variety of policies, including Medicare Primary as well as conventional policies. One of the benefits of choosing a smaller, local insurer is that they often offer more personalized service than the larger companies. They are also more likely to offer discounts and incentives to their customers. Additionally, they are often more willing to work with you if you have special circumstances or needs.

Which is Better?

When it comes to deciding between Medicare Primary or Plymouth Rock Insurance, it really depends on your individual needs and situation. Both have their advantages, and depending on your budget and coverage needs, one may be better for you than the other. If you are looking for a more personalized service, lower premiums, and more flexibility, then Plymouth Rock Insurance might be a better option. If you are looking for a more comprehensive policy with higher coverage limits, then Medicare Primary might be a better choice.

Conclusion

When it comes to getting auto insurance in New Jersey, you have a lot of options to choose from. If you are looking for a more personalized service and more flexibility, then Plymouth Rock Insurance might be a better option. If you are looking for a more comprehensive policy with higher coverage limits, then Medicare Primary might be a better choice. Ultimately, it is important to do your research and compare different policies to find the one that best fits your needs.