Cheap Rhode Island Auto Insurance

Rhode Island is known to be one of the more expensive states in the union, but even with that being the case, it doesn’t mean that you can’t get cheap auto insurance. There are plenty of companies here that specialize in doing just that – and you can find them using our free quote tool. We believe that everyone should have an amazing policy, and we assure that happens when you use our tool. And they’re not cut-rate companies, either. They’re some of the best in the industry.

Rhode Island insurance companies can use your credit history to accept applicants and set insurance rates. However many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, and your driving record. Also, where you live and your marital status plays a part in determining cheap auto insurance in Rhode Island, too. Since Rhode Island is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in Rhode Island as of 2006 is approximately $1,038.00 and the state is ranked as the 7th most expensive for insurance premiums in the nation.

Understanding how some of these companies work is integral to a person achieving success in obtaining cheap auto insurance in Rhode Island. The state does require all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Generally it is included in the policy automatically. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Rhode Island but it is recommended. If you decide to forego this option, the insurance company may require you to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

You or your insurance company may exclude members of your household from coverage on your insurance policy. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person. Any exclusion will be listed in the exclusion section of your policy with all of the other circumstances which your insurance company is not responsible for payment on a claim. If your policy lapses or cancels you can be cited for driving without the required insurance so you must prove you had coverage at the time of the citation or obtain the required insurance policy before your license or registration will be reinstated. If the policy is cancelled you have 15 days to fix the problem.

One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

There’s something out there for everyone, and even if you’re a new driver, you’ll still find that your options aren’t too limited when it comes to cheap auto insurance in Rhode Island. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti-theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Iowa are listed below.

1. 1990 Toyota Camry
2. 1992 Honda Accord
3. 1993 Honda Civic
4. 1996 Jeep Cherokee/Grand Cherokee
5. 1996 Ford Taurus
6. 1986 Oldsmobile Cutlass
7. 1998 Nissan Maxima
8. 1989 Toyota Corolla
9. 1993 Dodge Caravan
10. 1995 Acura Integra

If you’re looking for the best in auto insurance, you have quite a few choices ahead of you. Fortunately enough, we make it a lot easier with our free quote tool, as it definitely takes a lot of time to manually look for quotes. With that being something that we try to prevent, you’ll find that you have some pretty good options for finding cheap Rhode Island auto insurance – all the while saving time, too. Don’t wait, use our free quote tool today!

Useful links:
Rhode Island Division of Motor Vehicles
Rhode Island Division of Insurance
Rhode Island Department of Revenue

Bodily Injury Liability Per Person: $25,000.00 Limit
Bodily Injury Liability Per Accident: $50,000.00 Limit
Property Damage Per Accident: $25,000.00 Limit

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