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.


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Advice About Saving Money on Washington County, RI Auto Insurance

We are all trying to save money where we can. Every dollar adds up, and with the cost of everything going up we need to make good comparisons and good decisions whether we are buying groceries, a sofa or auto insurance.

One of the issues with auto insurance is that it is confusing, for one thing. Depending on what state you live in, there are certain types of coverage you must have and others you don't need. In addition, what type of car you drive, for instance, a family car vs. a sports car, makes a difference on what an insurance company will charge you in Washington County, RI. The assumption is that if you are driving a family car, there is usually a family somewhere that goes along with the car, so the driver is going to be more careful with a spouse and children in the car than in a Corvette or Ferrari by themselves. What does this mean to the insurance company? Statistics show that this means that the family car is going to usually be involved in less accidents, is going to be driven more carefully and the driver is going to be more careful because other lives are involved most of the time that the car is driven.

In addition to the family car issue, credit is an issue. The better your credit rating, the better you insurance rates. Why? Because the assumption is that if you are prompt with your payments and careful with your finances, you will act the same way toward your automobile.

Also, the better your driving record, the lower your premiums. If you have not had tickets or accidents or if it has been many years since you have had either, your rates will reflect this. On the other hand, if you have had a speeding ticket or two and or an accident or two in the past 7 years - even if it was not your fault - the combination of that information on your record can make your auto insurance rise even more than you think. In fact, if you are rated too high, you will be turned over to an insurance company that specializes in drivers with bad records and charges accordingly. You will have to stay with that company until your record gets cleaned up at least a reasonable amount. Don't despair, though. At least you will have insurance and be able to continue to drive. You could be in a situation where you lose your insurance, your license, and your vehicle, so paying higher insurance rates until you clean up your record is still a better choice.

The bottom line is that if insurance companies look at a "snapshot" of you and see that you are responsible, it will reflect as far as helping you save money on your insurance rates. Even if you have made a few mistakes in the past when it comes to driving, insurance companies can look at the pattern and see you are making changes for the better. The time to start doing that is this minute.

If you already have a good record in the areas we have discussed, all you need to do is start comparing and negotiating so that you can get the best rates possible. You have already proven that you deserve it.

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.