Almost every state has laws stating that people have auto insurance, but the actual regulations regarding auto insurance vary from state to state - so the type of coverage that you require depends on the state in which you live in.

Even if there are no laws, it is highly recommended that you have some form of cover; otherwise you may end up paying out huge amounts of money in the event of an accident, or even losing your home, in a worst-case scenario.


Get the best deals when shopping for auto insurance in Kent County, RI. Request Kent County, RI insurance quotes and compare!

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Tips for Buying Auto Insurance

Almost every state has laws stating that people have auto insurance, but the actual regulations regarding auto insurance vary from state to state - so the type of coverage that you require depends on the state in which you live in.

Even if there are no laws in Kent County, RI, it is highly recommended that you have some form of cover; otherwise you may end up paying out huge amounts of money in the event of an accident, or even losing your home, in a worst-case scenario.

Get the best deals when shopping for auto insurance.

Firstly, know now your products. Find out what levels of coverage your state requires you to have by law, and what else you may need or not need. Don't waste money on coverage that will not give you any real benefit.

Keep your costs down. Make sure you get the best deal by shopping around. If you work alongside an advisor, they will do a lot of the hard work for you. It is important that you choose a reputable insurance company that will help you file your claims quickly and easily. Visit their websites and see how professionally laid-out they are. Phone their customer service department and see how knowledgeable their staff are. The Internet has made the research process a lot easier than ever before, so utilize it to choose a good insurance provider.

Follow these ten auto insurance shopping tips to get the best value coverage for your vehicle:

  1. Maintain a clean driving record.
  2. Always ask for a discount.
  3. Take a higher deductible for a reduction in fees.
  4. Choose your types of coverage wisely - do you really need comprehensive coverage on that car that is worth $1,000?
  5. Keep all documents safe, including those from previous insurance companies.
  6. If you regularly use a company vehicle, make sure you are a listed driver.
  7. Make sure you are a listed driver on your own policy.
  8. Do not take out coverage you do not require, such as rental car coverage.
  9. Ask about accident waiver coverage - this protects future policy increases that are due to incidents where you were at fault.
  10. Keep your vehicle in good condition and add safety features if possible

Buying auto insurance these days can be a little dicey, in the sense, on the one hand you have thousands of places to choose from - there are so many companies that will offer you competitive rates, and on the other hand, the Internet has made it simpler - you can compare rates of different companies online.

Car Insurance Q & A

Question: If someone borrows my car and crashes it, does my insurance apply, or does theirs?
Answer: Generally speaking, the liability follows the car, so your insurance would apply, as it is your car. The liability insurance of the driver often pays the additional amount if the costs payable are above your policy limits.

Question: If a child goes to college with mom or dad’s car, are they covered under the parents’ personal auto policy?
Answer: This can vary from company to company. Check with the insurance provider and make sure that the child is listed as an additional driver. Do this before the child goes to college, and it will avoid unnecessary disputes later on.

Question: Do I need ‘gap’ insurance?
Answer: If your vehicle is on finance, and its value is now less than the amount you owe, then yes you need gap insurance. If you owe less than its value, then no, you do not need gap insurance.