4 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Rhode Island
There are many benefits of working with a broker or agent when you are shopping for insurance in Providence Rhode Island. Here are four reasons to choose a broker/agent over going directly to an insurance carrier:
Convenience - Providence brokers and agents provide customers with one-stop access to multiple carriers, allowing them to easily compare rates and coverage options. Additionally, they handle all the paperwork related to submitting applications and processing payments so that customers don't have to worry about these tasks on their own.
Expertise - Experienced Providence brokers and agents understand Rhode Island's laws governing auto insurance, health insurance, life insurance, business liability, and more. They can help customers determine the coverage they need, explain how different types of insurance work and assist with filing claims.
Savings - Brokers and agents have access to deals that may not be available directly from carriers. Additionally, by comparing rates from multiple carriers, Providence customers can get a better idea of what kind of discounts or other savings may be available to them.
Ongoing Support - After completing the initial transaction, brokers and agents continue to serve as knowledgeable resources throughout their relationship with customers. They provide ongoing support when it comes to renewing policies, changing coverage levels, filing claims and more. This ensures Rhode Island residents are always able to take advantage of the best possible options for their insurance needs.
By working with an experienced broker or agent, Providence residents can get the guidance they need to make informed decisions about their insurance coverage. They will also be able to take advantage of savings opportunities and other benefits that might not be available when purchasing directly from an insurance carrier.
3 Reasons Insurance Companies Declare Vehicles Totaled In Rhode Island
Providence residents may wonder why their vehicle is declared totaled after an accident, and what options they have. Here are three common reasons insurance companies declare vehicles totaled in Rhode Island:
The cost to repair the vehicle exceeds the estimated market value of the car.
The damage done to the frame is too extensive and costly to repair safely.
A combination of several minor damages adds up to a large expense that exceeds the worth of the car.
When a Rhode Island resident's car is declared totaled after an accident, they can choose to keep it for parts or scrap metal (if allowed by law), or seek compensation from the insurance company for its current market value prior to being damaged in the accident. Depending on the state of Rhode Island and the insurance company, they may be offered a settlement or other options. Regardless of what option is chosen to proceed with, Rhode Island residents should always contact their local DMV for information regarding any paperwork that needs to be completed when a vehicle is totaled. Understanding the reasoning behind why an insurance company declares vehicles totaled in Rhode Island can help Rhode Island residents make informed decisions throughout their claim process.
4 Things to Know Before Going to an Auto Body Shop in Rhode Island
Rhode Island has plenty of auto body shops to choose from when it comes to keeping your car in top shape. However, before you go to an auto body shop in Providence, there are a few things you should know.
First and foremost, make sure the auto body shop is properly licensed and insured. Rhode Island requires all body repair facilities to be registered with the Division of Motor Vehicles (DMV). It's also important to ensure the Providence shop is covered by liability insurance so that if any damage occurs while they're working on your vehicle, you will be compensated appropriately.
Next, do some research beforehand. Ask around for recommendations or read online reviews so that you have a better idea of what to expect from the shop. You should also make sure that they offer a warranty on any services or products they provide, which will give you additional peace of mind.
Finally, be prepared to ask questions when you arrive at the auto body shop. Make sure that the technicians are certified and experienced in their field, as well as inquire about potential costs for any repair services. Additionally, don't hesitate to ask if there are any discounts available before making your final decision.
By taking time to do some research and asking questions beforehand, you can ensure that you get quality service from an auto body shop in Providence. With proper preparation and knowledge, you'll have no problem finding a reliable repair facility to keep your car in tip-top shape.
4 Steps of Insurance Claims Process After an Accident in Rhode Island
The insurance claims process can be confusing, especially after an accident. Rhode Island requires that individuals follow a specific process for filing an insurance claim and receiving compensation. Understanding what to do in the event of an accident is essential so that you can maximize your chances of getting the best outcome possible. Here are four steps to help guide you through the Rhode Island insurance claims process:
File a police report: After being involved in an automobile accident, Providence drivers must file a police report within 24 hours of the incident. The police will investigate the incident and submit their findings to the Rhode Island Department of Motor Vehicles, who will then forward them on to your insurance company.
Notify your insurer: Once you have filed the police report, Rhode Island requires you to notify your insurance company within seven days of the incident. The insurer will ask for information regarding the accident, including details about the other involved drivers and any property damage that was caused.
Submit a claim form: Rhode Islanders must submit a written claim form in order to be eligible for compensation from their insurance company. It's important to keep all documentation related to the accident and make sure it is included with your claim form when submitting it to your insurer.
Receive an adjuster's decision: Once your claim form has been received by your Rhode Island insurer, they will assign an adjuster to review it and determine whether or not you are entitled to receive compensation. The adjuster's decision will be based on the information you have provided and their own assessment of the situation.
By understanding Rhode Island's specific insurance claims process, individuals can confidently handle the aftermath of an accident and maximize their chances of getting a fair settlement. It is important to remember that each state has its own requirements for filing an insurance claim, so it is always best to consult with a qualified Rhode Island attorney if you need assistance navigating this process.
20 Most Expensive Automobiles to Insure in Rhode Island
Rhode Island drivers have some of the most expensive automobile insurance premiums in the nation. The average Rhode Island motorist pays about $1,737 a year for car insurance coverage, which is significantly higher than the national average of $1,548. To help Providence drivers save money on their auto insurance costs, we've compiled a list of Rhode Island's 20 most expensive cars to insure. From luxury vehicles like Lamborghinis and Mercedes to more affordable but still costly-to-insure options like Volkswagen Touareg and Honda Civic Si Coupe, this list highlights Rhode Island's costliest cars to insure. Whether you're looking for an economical option or just want to know which cars are sure bets for high auto insurance premiums, Rhode Islanders should pay attention to this list.
Mercedes-Benz SLS AMG
BMW M6 Convertible
Bentley Continental GT
Audi R8 V10 Plus
Tesla Model X P100D
Porsche 911 Turbo S Cabriolet
Jaguar F-Type R Coupe
Ford Shelby GT350 Mustang
BMW 7 Series 750i xDrive Sedan
Chevrolet Corvette Z06 with Performance Package
Nissan GT-R Nismo Edition
Volkswagen Touareg V6 TDI
Land Rover Range Rover Supercharged LWB
Infiniti QX80 AWD
BMW X5 M
Honda Civic Si Coupe
Maserati GranTurismo Sport Coupe
20 Cheapest Vehicles to Insure in Rhode Island
Providence residents looking for a new vehicle to insure might be surprised to learn that they have many options when it comes to finding the cheapest vehicles to insure. From compact cars, mid-sized SUVs and pickup trucks, Rhode Islanders can find a range of vehicles that fit their budget and coverage needs. To help you decide which model is right for you, we've compiled a list of the 20 cheapest vehicles to insure in Rhode Island.
Honda Civic - This small sedan is one of the most popular models in Rhode Island due to its low insurance rates, generous warranty program and great fuel economy. The Civic has also been rated as one of the safest vehicles on the road today by both the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration.
Toyota Corolla - Another popular model in Rhode Island, the Corolla is a reliable and affordable car that also gets great fuel economy. Its low insurance rates make it an attractive option for Providence residents looking to save on their monthly premiums.
Ford Escape - This compact SUV offers Rhode Islanders plenty of cargo space without sacrificing affordability or cost of ownership. Providence drivers can enjoy lower insurance costs due to its excellent safety ratings and overall reliability.
Chevrolet Malibu - The Malibu is a mid-sized sedan with good crash test scores and a very competitive price tag when it comes to auto insurance rates. The Malibu's practical design also makes it an excellent choice for Rhode Islanders who want a reliable and affordable car.
Honda Accord - This popular family sedan is both safe and economical, making it one of the cheapest vehicles to insure in Rhode Island. The Accord has plenty of features that Rhode Islanders can appreciate, including its impressive crash test results and fuel economy ratings.
Toyota RAV4 - Rhode Islanders looking for a reliable and affordable SUV will want to consider the Toyota RAV4. This midsize crossover is both safe and efficient, earning it good ratings from the Insurance Institute for Highway Safety.
Subaru Outback - The Outback is an all-wheel drive wagon that offers Rhode Islanders plenty of cargo space while still being one of the cheapest vehicles to insure. It also has excellent crash test scores, making it a great option for Providence drivers who want a reliable car without breaking the bank on insurance costs.
Chevrolet Silverado - Rhode Islanders who need more cargo capacity should consider this popular pickup truck. The Silverado's low insurance rates make it an attractive financial option for Rhode Islanders looking for a reliable work truck without paying too much in premiums.
Ford Fusion - Rhode Islanders will appreciate the fuel efficiency and low insurance rates of this stylish sedan. It has excellent safety ratings and generous warranty coverage, making it a great choice for Providence drivers who want both style and affordability.
Nissan Altima - Rhode Islanders looking for a mid-sized sedan that won't break the bank on insurance costs should take a look at the Nissan Altima. This popular model offers Rhode Islanders plenty of features and great fuel economy, making it an attractive financial option.
Hyundai Elantra - Rhode Islanders who are looking for a reliable and inexpensive car will want to consider the Hyundai Elantra. This sedan offers Providence residents plenty of features, great crash test results, and low insurance rates.
Ford Focus - Rhode Islanders looking for an affordable compact vehicle should take a look at the Ford Focus. It has good fuel economy, excellent safety ratings and low insurance costs, making it a great option for Rhode Islanders on a budget.
Dodge Charger - Rhode Islanders who want a powerful sports car that won't break the bank when it comes to auto insurance should consider the Dodge Charger. This model is both safe and reliable, earning it good ratings from the Insurance Institute for Highway Safety.
Honda Civic - Rhode Islanders looking for a reliable and affordable car should consider the Honda Civic. This popular sedan offers Rhode Islanders plenty of features, good crash test results and low insurance costs.
Chevrolet Cruze - Rhode Islanders can enjoy excellent fuel economy, great safety ratings and affordability when they choose to drive the Chevrolet Cruze. Its low insurance rates make it an attractive option for Providence residents who are looking for a dependable car without paying too much in premiums each month.
Subaru Impreza - Rhode Islanders who are looking for an affordable and reliable hatchback should consider the Subaru Impreza. This popular model offers Rhode Islanders plenty of features, great safety ratings and low insurance costs.
Hyundai Sonata - Rhode Islanders will appreciate the reliable performance, good fuel economy and low insurance rates of this midsize sedan. The Sonata also has excellent crash test results, making it a safe car for Rhode Islanders to drive.
Kia Soul - Rhode Islanders who want an inexpensive yet reliable ride should take a look at the Kia Soul. This popular SUV offers Rhode Islanders plenty of features, good crash test results and very competitive auto insurance costs.
Nissan Sentra - Rhode Islanders who are looking for a reliable and affordable car should take a look at the Nissan Sentra. This popular model offers Rhode Islanders plenty of features, great fuel economy, and low insurance rates.
Toyota Camry - Rhode Islanders who want a dependable mid-sized sedan should consider the Toyota Camry. This popular model offers Rhode Islanders plenty of features, good crash test results, and low insurance costs, making it an attractive financial option.
4 Benefits of Adding Someone to Your Auto Insurance in Rhode Island
Having someone on your Providence auto insurance policy can be beneficial in a number of ways. Here are four benefits you may experience when you add someone to your Rhode Island auto insurance policy:
Lower Rates - Adding an additional person to your Providence RI auto insurance policy can result in lower rates, as it spreads the risk across multiple people and vehicles. You may find that adding a spouse or partner will result in the most significant discount due to their driving record, credit score and other factors being taken into consideration by the insurer.
More Comprehensive Coverage - When you add someone else to your Rhode Island auto insurance policy, it gives you access to more comprehensive coverage options such as full coverage for both drivers, uninsured motorist coverage and rental car coverage.
Easier Claim Process - Adding someone to your Providence auto insurance policy can make the claims process easier, as both parties have access to the same information and documentation required for filing a claim. It also makes it easier for the insurer to investigate any claims quickly and efficiently if both drivers are insured under the same policy.
Peace of Mind - Knowing that you and your loved ones are covered in case of an accident can provide peace of mind for everyone involved. Having multiple people on one Rhode Island auto insurance policy ensures that all vehicles and drivers are properly protected from potential liabilities resulting from accidents or other unexpected situations.
Cost of Car Insurance in 5 Different Age Groups in Rhode Island
It's no secret that Rhode Island drivers of all ages need to be aware of the cost of car insurance. To give Providence residents an idea of what they can expect to pay, we've put together the following guide on average car insurance costs for five different age groups in Rhode Island.
The youngest Rhode Island drivers, aged 16-19 years old, tend to pay the highest rates when it comes to car insurance premiums. This is due to their lack of driving experience and higher risk on the roads. The average Rhode Island driver in this age group pays $3,873 a year for full coverage auto insurance.
For Rhode Islanders aged 20-24, car insurance premiums are still high but begin to drop as young drivers gain more experience. The average Rhode Island driver in this age group pays around $2,866 a year for full coverage car insurance.
As Rhode Islanders progress into their late twenties and thirties, car insurance premiums begin to drop dramatically. For Rhode Islanders aged 25-29 the average cost of full coverage car insurance is approximately $1,588 per year. Rhode Islanders aged 30-39 pay an annual premium of about $1,367 on average for full coverage auto insurance.
Once Rhode Islanders reach their forties and beyond, rates continue to decrease as drivers become increasingly experienced on the roads. Car insurance costs for Rhode Island residents aged 40-49 are about $1,309 per year on average for full coverage auto insurance. Rhode Islanders aged 50-59 pay an average of $1,263 a year for full coverage car insurance premiums.
Regardless of age, Providence drivers can always do their research to find the best deals on car insurance. Shopping around and comparing different policies is one way Rhode Islanders can save money on car insurance premiums. Additionally, Rhode Island drivers should take advantage of any discounts they may qualify for to further reduce their rates.
4 Driving Violations That Require High Risk Insurance in Rhode Island
Getting a Rhode Island driver's license is an exciting step in life, but it comes with certain responsibilities. In Rhode Island, if you get certain driving violations, such as DUI, reckless driving or excessive speeding, you may require high risk insurance coverage to remain on the roads legally. Here are four types of Rhode Island traffic violations that require high risk insurance:
Driving Under the Influence (DUI): Rhode Island has some of the most stringent DUI laws in the country. If a person is arrested for DUI and convicted, they will be required to purchase high-risk car insurance for at least three years after their conviction.
Reckless Driving: Rhode Island considers any type of reckless driving behavior as a serious offense and will require any driver convicted of this type of violation to purchase high risk insurance coverage.
Excessive Speeding: Rhode Island considers any speed over 15 mph over the speed limit as excessive speeding, requiring offenders to purchase a high-risk auto insurance policy for at least three years.
Habitual Traffic Offenses: Rhode Island also requires drivers who are repeat offenders or have committed multiple traffic violations within a certain period of time to obtain high-risk auto insurance coverage.
Top 8 Car Insurance Companies by Least to Most Expensive in Rhode Island
Rhode Island drivers are required to purchase auto insurance in order to legally drive. Depending on your driving habits and needs, Providence car insurance rates can vary greatly between providers. To help Rhode Island drivers save money on their car insurance premiums, we've compiled a list of the eight least expensive car insurers in Rhode Island.
Allstate- Allstate offers competitive rates for Rhode Island drivers and provides discounts for those who have more than one policy with them or who bundle home and car coverage together.
Progressive- Progressive is well known for its low-rate offerings throughout Rhode Island and offers many convenient payment options such as automatic payments and discounts for signing up for multiple policies with them at once.
USAA- Rhode Island drivers who have served in the military or are related to someone who has can get great deals on car insurance through USAA.
State Farm- State Farm offers competitive rates and discounts for Providence drivers, as well as a variety of payment plans that can help you save money.
Geico- Rhode Islanders who take advantage of Geico's online tools and resources can save substantially on their car insurance premiums each month.
Farmers Insurance Group - Farmers Insurance Group offers excellent customer service and competitive rates for Rhode Island drivers, making them a top choice for many Rhode Islanders looking for quality coverage at an affordable price.
MetLife Auto & Home- Rhode Island drivers who are looking for comprehensive coverage at an affordable rate should consider MetLife Auto & Home.
Liberty Mutual- Rhode Island drivers can get great deals on their car insurance from Liberty Mutual, with discounts available for safe drivers and loyalty rewards programs that can save drivers money over time.
These are some of the top Providence auto insurers offering competitive rates. It's important to compare quotes before signing up for a policy to make sure you're getting the best deal possible. By shopping around and doing your research, Rhode Island drivers can find the perfect car insurance policy for their needs at a price they can afford.
4 Auto Theft Statistics in Rhode Island
Rhode Island had its fair share of auto theft cases in recent years. According to the Rhode Island Unified Crime Reporting Program, auto theft was the second most commonly reported crime in Rhode Island in 2018, with 631 total reported incidents for that year. In 2019, the Rhode Island State Police released their annual motor vehicle theft report, which revealed some alarming statistics about Rhode Island's auto theft rates. Here's a look at four of those key statistics:
Rhode Island saw a 31% increase in auto thefts from 2018 to 2019.
More than half of all vehicles stolen were recovered within 24 hours of being reported as stolen.
The majority of Rhode Islanders affected by auto theft resided in either Providence or Pawtucket.
Rhode Island had the highest rate of reported auto theft per capita in New England, with a rate of 97 thefts per 100,000 people.
3 Benefits of Traffic School or Defensive Driving Classes in Rhode Island
If you've received a traffic violation in Providence and want to avoid the consequences of that ticket, enrolling in a traffic school or defensive driving class may be an effective solution. Rhode Islanders can benefit from these classes by improving their driving skills, potentially reducing fines or avoiding points on their license. Here are three benefits of traffic school or defensive driving classes in Rhode Island:
Improved Driving Skills: Traffic school classes teach drivers safety techniques and guidelines for Rhode Island roadways. By completing the course, drivers can become more confident behind the wheel while also learning new ways to stay safe on the roads.
Reduced Fines: Rhode Island courts will generally offer reduced fines for those who successfully complete a defensive driving course. This can be a great way to save money, as well as reduce the impact of the ticket on your wallet.
Avoid Points on License: Providence drivers who receive a traffic violation may also be able to avoid having points assessed against their license if they successfully complete a traffic school or defensive driving class. In some cases, this could prevent insurance rate hikes or other negative consequences of a traffic violation.
11 Interesting Driving Statistics in Rhode Island
Rhode Island has some of the most unique driving laws and regulations in the United States. Here are 11 interesting Rhode Island driving statistics that you should know about:
Rhode Island is one of the few states where drivers must use headlights during daytime hours.
Rhode Island requires drivers to yield to pedestrians at crosswalks regardless of whether or not they have a green light or walk signal.
In Rhode Island, driving under the influence (DUI) convictions come with steep fines, potential jail time, suspension of license for up to two years, and community service requirements.
Rhode Island law prohibits any form of cell phone use while driving—including hands-free devices.
Rhode Island has a minimum speed limit of 25 mph on most rural roads, and 30 mph or higher on urban highways and expressways.
Rhode Island requires drivers to leave at least three feet of space when passing bicyclists.
Rhode Island is one of the few states with a “Move Over” law that requires drivers to move over or slow down for emergency vehicles stopped on the side of the road with their lights flashing.
Rhode Island has some of the highest car insurance rates in the country, averaging between $1,500-$2,000 per year for coverage.
Rhode Island does not allow drivers to pump their own gas; all filling stations are full-service.
Rhode Island is one of the few states that require drivers to use a “hands-free” device when talking on the phone while driving in school zones and construction areas.
Rhode Island requires drivers over 65 years old to renew their licenses every five years, instead of every four years like other drivers. All drivers must have 20/20 vision or better to renew their license.
What is the average car insurance rate in Providence Rhode Island?
The average rate for Providence is $1,801. Look for discounts to make this even more affordable.
What is the minimum coverage required in Providence RI?
In Providence Rhode Island, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $25,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Providence RI?
Average cost for two vehicles in Providence is $4,701. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Providence RI?
To get low cost car insurance in Providence, RI, simply fill out the form above and compare quotes then pick the best one.