Affordable Car Insurance Auto Insurance in Rhode Island - Compare Rates




"Clear ocean waters, cool breezes and bright sunshine" - signifies RHODE ISLAND.


You can enjoy on the beaches of Narragansett Bay which have the 'breakwater' barrier protection or you can enjoy the amazing waves on several other ocean beaches. But before you drive down to any of them, make sure you have adequate insurance protection.

Because if you don't carry insurance then you may have to pay penalties up to $500 and there are full chances that you may lose your license or registration for a good 3 months. In addition, you will be required to file SR-22 notice which functions as a guarantee that you will maintain minimum requirement levels or else your insurance company will notify the State. And once you have a SR-22, your insurance rate is bound to rise.

So it's always better that you buy insurance and save yourself from all these problems.

The State of Rhode Island follows a Tort meaning the at-fault driver is supposed to pay for all the damages.

Rhode Island Car Insurance Requirements

Bodily Injury Liability
>> This coverage pays for the bodily injuries that you cause to others while driving. It will also include legal expenses of a court case if you are sued.
>> This minimum limit is $25,000 per injured person up to a total of $50,000 per accident.

Property Damage Liability
>> This coverage will be useful when you damage property and possession of others involved in the accident. It may happen that because of the accident, the victim's car got damaged or your neighbor's fence collapsed. You can pay for all this through the coverage. It may also include coverage for things like a tree or a mail box.
>> The minimum limit is $25,000 per accident.

Uninsured/UnderInsured Motorist Bodily Injury
>> Even though auto insurance is mandatory, it is a sad fact that few drivers don't purchase it. If you are injured in an accident caused by such a driver then according to the Tort rules his insurer should pay for the injuries. But now without an insurance policy, it is a trouble for you. However, if you have this coverage then you need not worry. This coverage will also be useful if you are involved in an accident caused by a driver who has insurance but is not adequate to pay for the damages.
>> The minimum limit is $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
>> This basic coverage is often referred to as 25/50/25 coverage with 25/50 UM limits.

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The State doesn't make it mandatory for you to purchase Collision and Comprehensive coverage. But it is always better if you buy insurance according to your needs and not just adhere to the minimum State requirements.

If you buy Collision coverage, then it will pay for any damage to your car because of a collision with another car or any other object.

This coverage is expensive as it is based on the valuation of your car. So it is a wise decision to understand the coverage first and then decide whether to opt for it or not.

A comprehensive coverage will cover for almost anything. It will pay for damages caused due to fire, hail, flood, vandalism, impact of animal etc.

You can buy both these coverages even if the money is short. For this you will have to raise the deductible, so that your insurance rates drop. Do keep in mind that raising the deductible will increase your cost in the long term.

It is extremely necessary that you shop around for insurance as it is a known fact that companies charge different prices for almost the same coverage. You can use internet to obtain quotes from several companies. Before signing the dotted line, investigate the company's financial stability and its claims-paying ability.

Don't forget to ask for discounts. You may be surprised to see that you are eligible for many discounts; this will reduce your insurance rate further.

So before you enjoy your holiday on the beach don't forget to buy insurance because Safety never takes a holiday!!

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