How to Get Cheap Rhode Island Car Insurance Estimates

Rhode Island Car Insurance

Rhode Islanders pay higher auto insurance premiums than the national average, however, you can get cheap Rhode Island car insurance estimates if you plan ahead, shop around, and get all the discounts you might qualify for. I recommend that you get a minimum of 5 auto insurance estimates for car insurance in Rhode Island before you
decide on which company you use.

Rhode Island Car Insurance Minimum Liability Coverage

If you are found to be at fault for a car accident, liability coverage helps pay for:

Damage to someone Else's property.
Injuries to the other driver and/or passengers.

The minimum coverage limits you can purchase in Rhode Island are:

Bodily injury coverage:

• $25,000 per person.
• $50,000 total per accident.

Property damage coverage:

• $25,000 per accident.

You can purchase coverage with higher limits, which will increase your Rhode Island Auto Insurance rates but offers more coverage.

Plan Ahead

When it comes time to buy a new car insurance, costs should be part of your decision-making process. Some cars simply cost a lot less to insure because they are loaded with safety features or have proven to be statistically safer. Other cars may cost more to insure because they are more attractive to thieves. Consider the cost of car insurance before you buy a car so you can cheaper insurance rates.

Compare Insurance Costs

Insurance quotes can vary widely from one insurance company to another, so it pays to shop for the cheapest quote. This doesn't mean you have to visit or even call all the insurance agents in town - who has time for that? Instead, use insurance comparison websites to get fast and accurate quotes from multiple A-rated insurance companies.

An insurance comparison website lets you enter all your insurance information on a simple, easy-to-complete online form. Your information is then securely sent to insurance companies, which quickly respond by sending you auto insurance quotes. You'll then have several insurance quotes to choose from.

Get Your Discounts

Insurance companies offer a variety of discounts. These car insurance discounts can lower your insurance premium dramatically. Common discounts include:

• Good driver discount if you've had a good driving record for the last three years.
• Good student discount if you maintain a good grade average.
• Low mileage discount is you drive less than the norm.
• Security discount if you have a burglar alarm or anti-theft device.
• Multiple policy discount if you insure your home and auto with the same company.
• Multiple vehicle discount if you insure all your cars with the same company.

By spending a little time and thought, you can get a cheap Rhode Island car insurance estimate.