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In many states, drivers are required to take financial responsibility for any damages they cause to other people while driving, and this holds true in Rhode Island as well.
However, between paying for medical bills, vehicle repairs, and other expenses that you create while driving, you may not have enough cash to pay for all of the costs out of your own pocket.
Rhode Island recognizes that auto accidents and other related events can be expensive, and it has created an auto insurance requirement to ensure that all drivers have a legitimate way to pay for at least a portion of the expenses they cause while driving.
Compare car insurance quotes right here to find the best coverage for your needs. Enter your ZIP code above to get started.
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Before you start shopping for new car insurance rates in Rhode Island, you need to determine how much coverage to buy and what type of coverage you need.
More than that, you need to understand how to read car insurance requirements so that you are knowledgeable about what you are buying.
Car insurance requirements are generally written with a coverage type and a coverage limit, and these are some of the more common coverage types that you may find while you are shopping around:
Rhode Island drivers should understand that there may be instances when some of the optional coverage types described above are required.
For example, if you have a car loan on your vehicle, your lender may require you to have collision or comprehensive insurance as a condition of your car loan.
You will still need to comply with the state’s insurance requirements as well, so you would need liability insurance as well as collision or comprehensive insurance.
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One of the first steps you need to take before you shop around for new car insurance rates in Rhode Island is to determine how much coverage you need or want to buy.
The state’s insurance requirements should serve as a minimum amount of coverage for you to buy, and these requirements include:
Rhode Island may have unique car insurance requirements for special situations. For example, if you store your vehicle in a garage and never drive it on public roads or if you drive your car for business purposes, other insurance requirements may apply to you.
Explore these special situations in greater detail to ensure that you buy the right type of car insurance for your needs.
Rhode Island authorities check your car insurance coverage when you are pulled over as well as through random requests. If you are not properly insured, you may:
While you definitely need to buy at least the minimum amount of car insurance required in Rhode Island to avoid these penalties, you may be wondering if you should buy more than the required coverage types and limits.
There are financial benefits associated with buying more than the required coverage limits.
Remember that drivers are responsible for the full amount of damages they cause, and this means that you may have to pay for expenses out of your own pocket if they exceed the limits of your coverage.
For example, if you cause an injury accident that results in $50,000 of medical bills for one person and you only have the $25,000 liability coverage as required by Rhode Island law, you could be sued for the remaining $25,000 if you are unable or unwilling to pay it on your own.
Regardless of whether you buy more than the state’s required coverage amounts or not, you understandably need to find a fast and easy way to request quotes.
Shopping online is a time-efficient method to consider, but you may want to narrow down your list of providers before requesting quotes.
Look for car insurance companies that have a fast, friendly claims process, great customer service, and a strong financial rating.
There may be numerous auto insurance companies to request quotes from, and you should not assume that all of them will provide you with the same overall consumer experience.
When you focus your attention on these points, you can more easily get affordable, protective coverage from a great insurance company. Get started comparing car insurance quotes today by entering your ZIP code into our rate tool below.