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Rhode Island Auto Insurance

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Rhode Island Auto Insurance that Won't Break the Bank


If you are looking for good deals on Rhode Island auto insurance, here are a few helpful tips to get the best coverage at prices you can afford. By shopping around and following a few other tips, you can keep auto insurance premiums low.

Minimum Coverage Requirements

The law in Rhode Island states that your auto insurance must include $25,000 coverage for any injuries or death and $50,000 coverage in case injury or death happens to more than one person as a result of an accident. You're also required to carry at least $25,000 coverage for another person's vehicle, should you be in an accident.

If the policy lapses for your auto insurance Rhode Island insurers will contact the DMV to notify them. But simply having auto insurance in Rhode Island isn't enough. You should have proof of insurance on you whenever you are driving a vehicle, in case you should be required to show it. If you don't, you'll have to prove you have auto insurance within ten days or face a $500 fine and three months' suspension of your driver's license.

While you can save money by only having the minimum required coverage, experts recommend going above the minimum. Consider what would happen if you were involved in an accident and your own car wasn't covered. Would you have the money to pay for repairs on your own car? Would you be able to financially handle a lawsuit that resulted from an accident?

Better Insurance, Cheaper

You don't have to cut back to dangerous levels of coverage to save money. There are several ways you can get inexpensive auto insurance in RI and still have great coverage.

The first step is to take a look at your possible discounts. Some insurers provide discounts for students who maintain good grades, as well as reduced rates for safety features on your car, like side airbags and antilock brakes. Safe driving will also help keep your auto insurance rates low in Rhode Island, since your driving record plays a large role in the rates you get, as does your credit score.

For those seeking inexpensive RI auto insurance, several discounts can make you eligible for less expensive premiums without having to sacrifice the coverage you need to protect you in the event of an accident.