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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A lot of people in Washington County, RI are paying over the odds for their auto insurance, and are unaware that by spending just an hour of their time they may be able to make significant savings on their coverage. By following a few simple steps you can be well on your way to a hefty reduction in your insurance costs.

Phone Your Existing Provider
The first step is to phone your existing insurance provider, who you use for your home and personal insurance. Ask them if they do auto insurance, and if so, get a quote. Companies often give multi-policy discounts, meaning you could save a percentage value of your auto insurance.

Scour the Internet
The Internet is a valuable resource, and many insurance providers offer a small discount simply for signing up to a policy online, as it saves them staff costs and postage costs. It is important to get at least three quotes from different companies - including an online comparison site. Make sure you are getting like for like quotes - i.e. the actual level of coverage is still the same.

Speak to an Independent Agent
An independent insurance agent may be able to save you additional money. These people typically represent several insurance companies, and 'offer' your business to them to get the best deal. A quick conversation with an independent agent should quickly discover whether they are likely to be able to save you any money or not.

Speak to Friends and Family
Discuss your auto insurance with close friends and family. See what deals they are getting on their insurance, and exchange information. You may be able to provide each other with useful tips and information, and ultimately both save money. This approach helps you cover far more ground than you ever could by yourself.

Lower Your Own Rate
If you have taken all of the above steps and your policy fees are still no lower, consider taking matters into your own hands. Auto insurance quotes are affected by a number of things. Are you able to add additional safety features on to your vehicle? Are you able to increase your deductible? Would you feel comfortable changing your liability limits? Can you park your car in a secure environment, such as a garage? All of these should result in a discount in your quote. Factors such as: the type of car that you run, and the area which you live in, also plays a huge role in your auto insurance quote. Think about what you can change to reduce the amount you pay for your auto insurance.

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.