Finding low cost rates for car insurance is difficult for drivers new to online insurance quotes. With such a large choice of online companies available, it can easily be a difficult mission to find the best price in Rhode Island on car insurance.

Unimaginable but true, about 70% of customers renewed their policy with the same company for at least four years, and nearly half have never quoted rates to find lower-cost coverage. With the average car insurance premium being $1,847, U.S. drivers could pocket about $859 a year just by getting comparison quotes, but they don't want to spend time to compare rates and save money.

Cheap companies for South Kingstown car insurance

The providers in the list below are our best choices to provide free quotes in Rhode Island. If the list has multiple companies, we recommend you compare several of them to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in South Kingstown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 2WD $1,444 $722 $120
Dodge Ram Quad Cab Laramie 4WD $1,522 $761 $127
Ford Edge SE AWD $1,542 $771 $129
Ford Escape Limited 4WD $994 $497 $83
Ford Explorer Limited 4WD $982 $491 $82
Ford F-150 Lariat Super Cab 4WD $1,310 $655 $109
Ford Focus SE 2-Dr Coupe $1,208 $604 $101
GMC Sierra SLE Crew Cab 4WD $1,494 $747 $125
Honda Accord LX 4-Dr Sedan $1,040 $520 $87
Honda CR-V EX-L 2WD $1,038 $519 $87
Honda Civic VP 4-Dr Sedan $1,110 $555 $93
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,100 $550 $92
Nissan Altima 3.5 SR 4-Dr Sedan $1,390 $695 $116
Toyota Camry Hybrid $1,458 $729 $122
Toyota Corolla S $1,362 $681 $114
Toyota Prius $1,194 $597 $100
Toyota RAV4 Limited 2WD $1,262 $631 $105
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Estimates do not factor in vehicle location which can revise coverage rates noticeably.

Deductible comparison

A question often asked by South Kingstown drivers is at what level do you set your deductibles. The premium rates below help summarize how much more rates are between high and low insurance deductibles. The first rate table uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $314 $528 $406 $24 $122 $1,419 $118
Altima 2.5 S 4-Dr Sedan $314 $622 $406 $24 $122 $1,513 $126
Altima Hybrid 4-Dr Sedan $354 $622 $406 $24 $122 $1,553 $129
Altima 2.5 S 2-Dr Coupe $354 $622 $458 $28 $138 $1,625 $135
Altima 3.5 SR 4-Dr Sedan $354 $622 $406 $24 $122 $1,553 $129
Altima 3.5 SR 2-Dr Coupe $354 $716 $458 $28 $138 $1,719 $143
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Nissan Altima insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $194 $332 $406 $24 $122 $1,078 $90
Altima 2.5 S 4-Dr Sedan $194 $392 $406 $24 $122 $1,138 $95
Altima Hybrid 4-Dr Sedan $218 $392 $406 $24 $122 $1,162 $97
Altima 2.5 S 2-Dr Coupe $218 $392 $458 $28 $138 $1,234 $103
Altima 3.5 SR 4-Dr Sedan $218 $392 $406 $24 $122 $1,162 $97
Altima 3.5 SR 2-Dr Coupe $218 $450 $458 $28 $138 $1,292 $108
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can change price quotes greatly.

Based on this data, using a $250 deductible will cost in the ballpark of $32 more each month or $384 annually than choosing the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claims, you would save money if you elect the higher deductible.

Cost comparison with and without full coverage

The example below shows the comparison of Dodge Ram car insurance rates with and without physical damage coverage. The costs are based on no claims or driving citations, $1,000 deductibles, married female driver, and no discounts are applied to the premium.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage or liability only?

There is no exact formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's pretend your Dodge Ram claim settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your policy deductible. If it's costing you more than $800 annually to have full coverage, then it could be time to drop full coverage.

There are some scenarios where only buying liability is not a good plan. If you haven't satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

When to drop comprehensive and collision coverage

There isn't a steadfast formula of when to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Chevrolet Cruze replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $6,000 after paying your policy deductible. If you are paying over $600 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some situations where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Insurance policy discounts

Some companies don't always list every discount very clearly, so the list below contains some of the best known and the harder-to-find savings tricks you should be using when you buy South Kingstown car insurance online.Cheaper insurance with discounts

A little disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn't make money that way.

A few popular companies and a partial list of their discounts are outlined below.

When comparing rates, check with all the companies to give you their best rates. Discounts may not apply to policyholders everywhere.

Seven things that affect insurance premiums

An important part of buying insurance is that you know some of the things that are used to determine your premiums. When you understand what influences your rates, this helps enable you to make changes that could result in big savings. Many different elements are part of the calculation when pricing auto insurance. Some factors are common sense like a motor vehicle report, although others are not as apparent such as whether you are married and annual miles driven.

The following are some of the major factors companies use to determine your premiums.

Tailor your auto insurance coverage to you

When quoting and comparing proper insurance coverage, there really isn't a cookie cutter policy. Everyone's needs are different and your auto insurance should be unique as well.Safe vehicles cost less to insure Here are some questions about coverages that can aid in determining if your situation might need an agent's assistance.

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Compare prices but buy from a local neighborhood South Kingstown car insurance agent

A small number of people would prefer to get professional advice from a licensed agent and often times that is recommended One of the great benefits of getting free rate quotes online is that drivers can save money and get cheap auto insurance quotes but still work with a licensed agent. And supporting local agencies is definitely important in South Kingstown.

Find insurance agent in South KingstownTo find an agent, once you fill out this simple form, your insurance coverage information is immediately sent to agents in your area who will return price quotes and help you find cheaper coverage. There is no reason to contact an agency since rate quotes are delivered directly to your email. It's the lowest rates AND an agent nearby. If for some reason you want to compare prices from one company in particular, you can always search and find their rate quote page and submit a quote form there.

If you would like to find an insurance agent, it can be helpful to understand the types of insurance agents that you can choose from. Auto insurance agencies are either independent or exclusive.

Independent Auto Insurance Agents

These type of agents do not sell for just one brand so as a result can place your coverage amongst many companies and potentially find a lower price. If prices rise, the business is moved internally and you don't have to find a new agent.

When comparing auto insurance rates, you should always contact at a minimum one independent agency so that you have a good selection of quotes to compare. Most can insure with small mutual carriers that can offer cheaper rates than bigger companies.

Exclusive Insurance Agents

Exclusive insurance agents can only place business with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on their company's products which aids in selling service over price. Some consumers prefer to buy from exclusive agents mostly because of high brand loyalty instead of buying on price only.

Finding the right insurance agency should depend on more than just a low price. Any good agent in South Kingstown should know the answers to these questions.

If you get acceptable answers to any questions you have as well as affordable South Kingstown car insurance quotes, you've probably found a car insurance agent that is reliable enough to properly service your auto insurance policy.

Can you really save that much by switching?

Companies like State Farm, Allstate and GEICO seem to constantly run television, radio, and online ads. All the ads make an identical promise that people will save if you switch your policy. It sounds good, but how can they all make almost identical claims? This is the trick they use.

Car insurance companies have strict underwriting profiles for the right customer that makes them money. For example, this type of risk profile could be over the age of 50, has no prior claims, and drives a lower-performance vehicle. A customer that meets those criteria will get the preferred auto insurance rates in South Kingstown and will probably save when switching.

Potential insureds who do not match the requirements will be quoted higher premium rates and the customer buying from a different company. Company advertisements say "people that switch" not "all people who quote" save the amount stated. That's why insurance companies can confidently make claims like that.

This illustrates why you need to get South Kingstown car insurance quotes from several different companies. Because you never know which car insurance company will have the best premium rates at this point in time.

Insurance losses by coverage

Which vehicles statistically have the most claims? The following statistics list the best and worst makes and models for the probability of having to file claims for each type of coverage.

Lowest and Highest Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Hyundai Accent
Chevrolet Silverado 2500 Dodge Charger
Tesla Model S Kia Forte
Land Rover Range Rover Sport Nissan Versa
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford F-250 SuperCrew Chevrolet Spark

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Audi RS7
Ford F-250 SuperCab Bently Continental GTC
Jeep Wrangler BMW M6
Ford Edge Maserati Ghibli
Nissan Xterra Ferrari 458
Smart ForTwo Nissan GT-R

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicles with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Audi S7
Nissan Leaf BMW M6
Infiniti QX50 Maserati Granturismo
Nissan Xterra Maserati Quattroporte
Chevy Spark Porsche Panamera GTS
Volvo V60 BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Chrysler 200
Subaru Forester Hyndai Accent
Audi A6 Chevrolet Impala
Mercedes-Benz SL Class Kia Optima
Acura MDX Kia Rio
Volvo XC60 Mitsubishi Lancer

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Do the work, save more money

Cheaper car insurance in South Kingstown can be purchased from both online companies as well as from independent agents in South Kingstown, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not offer internet price quotes and these smaller companies only sell through independent agents.

As you restructure your insurance plan, it's a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

You just learned quite a bit of information on how to save on car insurance in South Kingstown. It's most important to understand that the more rate quotes you have, the higher your chance of finding affordable South Kingstown car insurance quotes. You may even be surprised to find that the biggest savings come from an unexpected company. These companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

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