You can buy auto insurance in Rhode Island from a multitude of insurance companies. Whether you're insuring a fleet of business vehicles or the family sedan, it's important to determine which company offers the best plan for your needs.
But even before you begin your search for insurance, it's good to know your state's minimum requirements for auto insurance. Rhode Island's minimums are 25/50/25, which means that you are covered up to $25,000 for each individual injury in an accident, with $50,000 allowed per accident, while the total that insurance would pay for property damage is $25,000. Being insured for higher amounts would decrease your chances of being forced to pay out-of-pocket expenses for a costly accident.
Several factors can affect the Rhode Island auto insurance coverage you need and how much it will cost per month, such as the following:
1. The amount you drive;
2. The make of vehicle;
3. The crime rate of the city in which you drive the most;
4. Your driving record;
5. Your credit rating.
Compare quotes from several Rhode Island auto insurance companiesMany companies allow you to ask for a quote online after filling out some information. This allows you to price shop and compare different Rhode Island insurance companies.
Select a Rhode Island automobile insurance plan from a national companyIf you want to just go directly through a company for car insurance, Rhode Island is home to many companies willing to allow you to bypass the agent. You will usually save money going this route.
Get Rhode Island vehicle insurance from a local agentIf you prefer a personable, friendly experience when getting auto insurance, you should use a local Rhode Island auto insurance agent. This might cost you a little more money because the agent fee is typically included in your premium.
- If you need to lower your Rhode Island insurance premium, you can increase your deductible so that when you do get into an accident, you pay more out of pocket. This is beneficial to those who have very few or no accidents on their record.