Rhode Island is a tort state. Drivers are financially responsible for any damage and injury they cause during an auto accident. Liability insurance is required. The state's standard liability coverage requirements are 25/50/25. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $25,000 for damage you cause to the other party's personal property. Rhode Island auto insurance laws also require that all drivers carry uninsured motorist coverage.

Many states now also use credit as a rating tool and having good credit can mean a lower rate.

Overall Rates are determined by the driving habits of the drivers within a state. Rhode Island determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Rhode Island auto insurance companies will also offers additional coverages like collision, comprehensive, and uninsured and underinsured motorist bodily injury coverage.

 

It is mandatory that you legally register your vehicle and drive in the state of Rhode Island. If you are caught without insurance you will lose your drivers license. The minimum liability policy must include coverages equal to $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. If you are looking for a cheap Rhode Island auto insurance policy then choose these limits to get the lowest possible price. Other limits and optional coverages are available so you should consult with an agent before making these important decisions.

 

The state mandated minimum coverages may not be a good choice for you if you own assets or have a newer car. To get the best rate you should periodically shop around and ask for Rhode Island car insurance quotes with several different limits of liability and optional coverage choices such as collision and comprehensive. Collision will pay to fix your car if it is damaged as a result of an accident and comprehensive will pay to fix your car for things like fire, theft, flood and vandalism.

 

Our multi line insurance agent’s directory features agents that represent some of the top insurance companies selling Rhode Island automobile insurance. These agents can typically also sell other lines or types of insurance such as homeowners, renters, condo, boat, motorcycle and life. Affordable Rhode Island car insurance is a top priority with our agents but they can also help you save money on all of your policies. Most insurance companies offer reduced rates if you purchase more than one policy from them. Our multi-line agents specialize in discount Rhode Island auto insurance because they have the ability to offer you these other lines of coverage from the same company. Find your city or one close by and contact an agent today for a free quote on vehicle insurance in Rhode Island and you may be on your way to saving money on all of your polices. These agents want to get to know you by name and will offer you service that is second to none