Cheap Car Insurance in Warwick, RI
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UPDATED: Nov 17, 2020
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Warwick, Rhode Island has a lot in common with its neighbor city, Providence; however, there are distinct differences. What once began as an outpost for early colonial settlers soon grew into one of the strongest manufacturing bases in the northeastern United States. Today, its economy has diversified into tourism and financial services, yet still exudes a small town feel.
- Fun fact: Hey, does that person look familiar to you? Because Warwick is #12 on the list of “Top 100 least racially diverse cities (pop. 50,000+)”. Thinking of learning more about Warwick? Click here!
Auto Insurance Coverage Requirements in Rhode Island
Driving legally in Warwick requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||25,000||50,000|
|Uninsured Motorist Bodily Injury||Required (see note above)||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain Comprehensive and Collision coverage. Otherwise, you’ll probably be free to buy the bare minimum state mandatory limits.
Did you know that the average monthly payment for motorists in Rhode Island can be as high as $168 per month? However, in Warwick, you can get insured for as low as $75/mo* of you know how to play your cards right.
As you can see, the most competitive rates being offered in Warwick right now are from Amica and State Farm. However, there are other factors at play, such as customer service and ease of claim filing. Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.
Auto insurance providers consider various factors when determining insurance rates, especially gender, geography, occupation, the number of years you have driven, and the presence of a theft protection device. Moreover, premiums vary wildly from provider to provider. To verify you are in fact still receiving the cheapest premium, compare cheap Warwick auto insurance prices over the internet.
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Major Car Insurance Factors in Warwick
Any time your automobile insurance agency prepares to come up with your insurance policy, they take lots of issues into account. Some, for instance your age or your specific location, are generally difficult to alter. Below are some other examples:
Your Zip Code
Where you store your car each night will likely have a serious impact on your car insurance rate. Generally, car insurance cost less in outlying areas simply because a lower number of cars indicates a reduced possibility that you will get in a wreck with some other vehicle. The population of Warwick is 81,971 plus the general family earnings are $68,548.
Thankfully, the rate of serious accidents in Warwick is relatively low, as the chart above shows. This is also good news because areas with fewer accidents automatically see discounts in monthly insurance premiums.
Auto Thefts in Warwick
Living in a big metropolis (Especially any that has a substantial rate of crime) raises your likelihood of becoming a target of auto thieves. In cases where your regular location has high statistics of auto theft claims filed, you can expect to spend a lot more for car insurance to counterbalance these costs. The total amount of taken motor vehicles in 2013 was limited to 85 in Warwick, which is a significant decrease in recent years. This means that carrying Comprehensive coverage, or maintaining a low deductible, might not be necessary.
Your Credit Score
You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make. For some companies, your monthly premium could skyrocket by 75% or more if you are currently suffering from a poor credit score.
The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.
Your Driving Record
The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).
Thinking about purchasing insurance for a luxury vehicle? If you can afford it, go right ahead – but keep in mind that you will need an equally luxurious insurance policy to keep yourself protected from accident- and theft-related expenses. Economical cars, on the other hand, don’t require as much coverage, and therefore have lower monthly rates.
Minor Car Insurance Factors in Warwick
Most people either don’t know or don’t think that the following factors will influence their rates much:
Your Marital Status
For many years, drivers have been under the impression that your marital status can play a major factor in your monthly car insurance premiums. In truth, it depends more on your insurance company than anything. Certain providers charge married couples more, while others might charge less. Most providers don’t charge any difference at all – and even if they do, it might not amount to more than a few dollars per month. However, married couples can save a great deal of money by bundling their insurance policies together.
Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.
Your Driving Distance to Work
Warwick commutes can be as short as 21 minutes, or as long as 28 minutes on average – but the typical trip usually lasts somewhere between 23 and 26 minutes. Close to 87% of drivers use their own means of transportation to get around (generally a car or truck), while 3-11% like carpooling.
Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.
Your Coverage and Deductibles
Trying to save money every month on your insurance? Many drivers achieve this goal by purchasing less coverage. But you can also purchase a few extra coverage benefits and offset the monthly cost for yourself by raising your deductible. Just make sure you put a little money away, should you need to shell out the cash in the event that you need to file a claim.
Education in Warwick, RI
There are many high school and college graduates who live in Warwick; they make up 32% and 16% of the population, respectively. Furthermore, those college graduates have a lot of savings to look forward to with respect to their auto insurance bill, because most providers will offer them a significant discount.
Warwick is home to many institutions of higher learning, including the Community College of Rhode Island. The CCRI offers associate’s degrees or professional certification in a number of different careers. There is also the New England Institute of Technology, a private school which educates students in various engineering and architectural programs. Those students willing to drive a little farther can also take advantage of nearby schools in Providence.
Obtaining reasonably priced car insurance can be a hassle. There’s a lot of important information to contemplate, and determining exactly how insurance companies assess your prospective risk might be challenging. But try not to allow the wrong insurance company to convince you to buy a second-rate policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Get started comparing rates today. It takes only a few minutes, and you will save a lot of money!