Rhode Island Auto Insurance

Something as small as a "fender bender" can become a nightmare if you don't have the right Rhode Island auto insurance coverage. Depending on the accident, you could wind up paying for physical damages to both the person and their car. You may also find yourself in legal trouble if you are caught driving without proper auto insurance coverage, including small or large fines, voiding of your license, and increased Rhode Island auto insurance rates. Let our insurance specialists get you the best deals by comparing auto insurance rates from different companies in your area. Get start below:

Why should I get Rhode Island auto insurance?

Every registered vehicle must be insured. If you own a car and you drive it, or allow someone else to drive it without basic no-fault Rhode Island auto insurance, you can be sued and held personally liable. You may also be convicted of a misdemeanor and fined from $200 to $500, or put in jail for up to one year, or both. The court may also order your license suspended for 30 days or until you are able to provide such proof. In addition, if you don't have Rhode Island auto insurance you may be held liable for all damages that result from an accident while uninsured.

What Rhode Island auto insurance coverage do I need?

There are three basic parts to an Rhode Island auto insurance policy that must be purchased and carried on every vehicle. They are:

Personal Injury Protection (PIP) - Personal injury protection (PIP) pays all necessary medical costs if you are hurt in an auto accident.

Property Protection (PPI) - Property protection (PPI) pays up to $1 million for damage your car does in Rhode Island to other people’s property, such as buildings and fences.

Residual Bodily Injury and Property Damage Liability Insurance (BI/PD) - Residual bodily injury and property damage liability (BI/PD) pays your defense costs and any damages you are found liable for as the result of an auto accident, up to the limits of the policy. The minimum limits of coverage that everyone must purchase are $20,000 for a person who is hurt or killed in an accident, $40,000 for each accident if several people are hurt or killed, and up to $10,000 for property damage in another state.

Does shopping for better Rhode Island auto insurance rates work?

YES! We have hundreds of auto insurance companies that are competing against each other to provide the lowest possible rates, broadest coverage, and best possible service. Competition works best, however, when drivers take the time to shop for the lowest Rhode Island auto insurance rates and coverage that are best for them. There are many reasons why shopping works.

What should I never hear from Rhode Island insurance companies?

Rhode Island law makes it illegal for an auto insurance company or an insurance agent to do certain things. You should never hear:

• We don't write insurance policies in that area
• We aren't taking any new customers
• We don't have an insurance agent in your area
• We can't write your Rhode Island auto insurance unless you insure your home with us