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How to Find the Cheapest Car Insurance in Rhode Island

Car insurance doesn’t always come cheap in Rhode Island, even when you only have the required minimum amount of coverage, so you have to learn how to search for the cheapest car insurance. Your best chances for getting the cheapest car insurance in RI is doing your homework, shopping around for the best car insurance quotes and keeping a clean driving record to the best of your ability.

The first step to getting the cheapest car insurance in Rhode Island or any state is to understand the kinds of car insurance companies offer. Most car insurance companies offer two main types of coverage: liability and comprehensive. Liability car insurance coverage protects you against have to pay for bodily injuries to other drivers or property if you get into an accident. Comprehensive car insurance coverage protects you against liability for damage to your own vehicle if you get into an accident or if your car is broken into or damaged by fire or other types of accidents. Comprehensive can be more expensive, so if your main concern is getting the cheapest car insurance in RI, then you should buy liability only.

One way to get the cheapest car insurance in Rhode Island is to buy the minimum amount of car insurance coverage required by the state. Rhode Island drivers are required to carry Bodily Injury Liability coverage of $25,000 per person/$50,000 per accident and minimum of Property Damage Liability coverage of $25,000 per person. To get the cheapest car insurance in RI, you can just buy these state mandated minimums of liability insurance.

Another important type of car insurance required by the state is uninsured motorist coverage. Uninsured motorist coverage protects a driver when they are injured or the car is damaged by an accident when the other driver has no car insurance or not enough car insurance. You may be tempted to skip this if you’re only concerned about getting the cheapest car insurance in Rhode Island, but state law requires that RI drivers carry a minimum of $25,000 per person/$50,000 per accident in uninsured motorist coverage. You can sign a waiver in order to not have this type of insurance if you want to get the absolute cheapest car insurance in RI, but be advised that you will not get compensated if a driver without insurance hits you.

If you’re looking for the cheapest car insurance in Rhode Island, and you want to get more than just liability insurance, you can find great deals on comprehensive car insurance as well. To get the cheapest car insurance in RI, you can ask for discounts when you speak to an insurance agent, buy more than one kind of insurance from the same company, or comparison shop. You can also shop for the cheapest car insurance in Rhode Island simply by entering your information online for a free cheap car insurance quote!