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 Washington County, RI. Request Washington County, RI insurance quotes and compare!

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Car Insurance Quotes Explained

Many people can get easily confused by the vast number of terms when it comes to their auto insurance policy. Liability coverage, collision coverage and comprehensive coverage are just three of the primary terms used. Rental car reimbursement is another term, which refers to costs paid toward a rental car if your car is out of use. Towing and labor coverage is also available to help pay for breakdown costs.

When it comes to getting an auto insurance quote in Washington County, RI, the price you are given will be affected by several factors. Different companies have different priorities within these factors, so the company that gives the best price to one customer will not necessarily give the cheapest rate to their next door neighbor. Your age, sex, the type of car you drive, your vehicles safety features and the amount of mileage your drive are just some of the factors that can affect the quote you get. Online comparison sites allow you to enter the information once and receive several quotes at the same time.

If you have received a few quotes from various car insurance companies, and are still unhappy with the prices, you should look into which discounts you are eligible for. Living in a low-crime neighborhood or parking your car in a garage can reduce your policy cost, as can a clean driving record. If you have passed an advanced driving course you may be eligible for a further discount. The best idea is simply to ask which discounts you are eligible for - you may be pleasantly surprised.

Quotes can fluctuate throughout the year, so it is a good idea to periodically check that you are getting the best deal. Just because you have been with the same insurance provider for several years does not mean that you are still getting the best deal. Make sure that when you get different quotes that they all include the same levels of coverage, and that the deductibles and extras (such as rental car coverage) are also the same.

The Internet has made it quick and easy for everyone to get a wide range of auto insurance quotes - so make sure you use it to your advantage. Choose the best quotes from your selection, and contact the firms to see if you are eligible for any further discounts. Auto insurance is a highly competitive market, and companies want your business, so make sure you shop around and get the business deal.

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.