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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Compare Auto Insurance To Find The Best Policy

Before committing to any auto insurance policy, you should do your homework. There are many different types of insurance to choose from; such as collision coverage, liability auto insurance, comprehensive coverage and personal protection – make sure you are aware of what these terms mean and what they cover you for.

In the given examples, Liability auto insurance will only cover damage caused to others by your vehicle. Collision coverage covers any type of damage regardless of fault, and comprehensive coverage covers loss through vandalism, freak weather, theft, fire etc. The latter has the most scope, and as a result is usually the most expensive. If you drive an expensive vehicle then you will probably want this type of coverage, whereas if your car is worth $500, then it is unlikely to be worthwhile.

Insurance rates can vary from one provider to another in Washington County, RI, and to get the best deals you should be aware of the factors that are used to determine your quote. These include where you live, what your previous driving record is like, how good your credit score is, what type of insurance you want, how high you have your deductibles set at etc.

There are several ways of getting auto insurance quotes. You can phone a company direct, you can compare rates online, you can fill in an online form, or you can speak to an auto insurance agent. An auto insurance agent will charge a commission, but may be able to get you the cheapest rates – so if you are looking for your first car insurance policy this may be the best option to take.

Like most businesses, the auto insurance industry is competitive, and companies often have promotions and offers to try and get your business. Use this to your advantage and you may see some hefty savings. Check out online offers, and make sure you get at least three quotes online. Getting auto insurance quotes online is a quick and easy process, and by devoting just an hour of your time you may be surprised at how much money you can save.

When you have found an auto insurance policy, make sure you do your homework before committing. Check out the company and make sure they are reputable and professional, and that you are getting the type of coverage that you require.

Given the number of auto insurance companies out there, it’s important that you take some time and compare auto insurance rates, before you actually decide on one.

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.