Tired of scraping the payment together to pay your insurance bill each month? Your situation is no different than most other vehicle owners in Rhode Island.

Amazingly, a recent NerdWallet.com study showed that a large majority of drivers in Rhode Island have remained with the same insurance company for at least the last four years, and roughly 40% of drivers have never quoted rates to find lower-cost coverage. Drivers in America could save as much as 47% every year by just shopping around, but they just feel it's too hard to shop their coverage around. Popular companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with fancy advertisements and it can be hard to ignore the flashy ads and take the time to shop coverage around.

If you have insurance now or want to find a cheaper company, you can follow these tips to buy cheaper insurance and still get good coverage. Choosing the most cost-effective insurance policy in Pawtucket is actually not that difficult if you follow our advice. Drivers just need to learn how to shop their coverage around instantly.

Best companies for Rhode Island auto insurance

The providers in the list below provide price comparisons in Rhode Island. If multiple companies are shown, we suggest you visit several of them to get the best price comparison.

Insurance Estimates for Popular Vehicles in Pawtucket
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,218 $609 $102
Chevrolet Silverado LT Crew Cab 2WD $1,612 $806 $134
Dodge Ram Quad Cab Laramie 4WD $1,730 $865 $144
Ford Edge SEL 2WD $1,374 $687 $115
Ford Escape XLS 2WD $910 $455 $76
Ford F-150 XL Crew Cab 4WD $1,044 $522 $87
Ford Focus SE 2-Dr Coupe $1,796 $898 $150
GMC Sierra Denali Crew Cab 4WD $1,462 $731 $122
Honda Accord LX-P 4-Dr Sedan $1,080 $540 $90
Honda CR-V EX-L 4WD $1,094 $547 $91
Honda Civic SI 2-Dr Coupe $1,668 $834 $139
Hyundai Elantra GLS Touring Station Wagon $816 $408 $68
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,466 $733 $122
Kia Optima LX $1,146 $573 $96
Mazda 3 S Grand Touring 4-Dr Sedan $1,468 $734 $122
Nissan Altima 3.5 SR 2-Dr Coupe $1,530 $765 $128
Nissan Rogue SL 2WD $1,124 $562 $94
Toyota Camry SE $1,262 $631 $105
Toyota Corolla LE $1,504 $752 $125
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in your specific Pawtucket location which can influence coverage rates substantially.

Drive safe and save

The chart below demonstrates how traffic citations and accidents can affect Ford Escape premium costs for each different age group. The information is based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Get cheaper insurance with discounts

Auto insurance companies do not advertise the entire discount list in an easy-to-find place, so the next list breaks down a few of the more well known as well as the least known credits that you can use to lower your rates. If you do not double check each discount possible, you could be paying more than you need to.Cheaper insurance with discounts

Don't be shocked that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

To find providers that offer the discounts shown above in Rhode Island, click here to view.

Local insurance agents

Many people still like to get professional advice from a licensed agent and that can be a great decision Experienced insurance agents can help you choose the best coverages and help submit paperwork. One of the best bonuses of comparing rates online is you may find cheap rate quotes and also buy local. And buying from local insurance agencies is important particularly in Pawtucket.

Pawtucket insurance agentsOnce you complete this quick form, your information is sent to insurance agents in Pawtucket that can give you free Pawtucket auto insurance quotes and help you find cheaper coverage. You don't have to contact an agency as quotes are delivered to you instantly. If you have a need to compare prices from a specific company, don't hesitate to visit that company's website and fill out their quote form.

When searching for a good insurance agency, it's important to understand the different agency structures and how they can write your policy. Agents can be described as either independent or exclusive. Both types can properly insure your vehicles, but we need to point out the difference between them since it can impact the type of agent you choose.

Independent Agents

Agents that elect to be independent do not have single company limitations and that is an advantage because they can write policies through many companies and find the cheapest auto insurance rates. If they find a cheaper price, your policy is moved internally without you having to go to a different agency. If you are comparing rate quotes, you absolutely need to include at a minimum one independent agency to have the best price comparison.

Exclusive Auto Insurance Agents

These agents normally can only provide a single company's rates like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on their company's products which can be an advantage.

Choosing the best auto insurance agent needs to be determined by more than just the premium amount. Any agent in Pawtucket should be willing to answer these questions.

But the ad said I'd save 15% in 15 minutes!

Consumers constantly see and hear ads for the lowest price car insurance from companies such as State Farm, Allstate and GEICO. They all seem to seem to make the promise that you can save if you get a free Pawtucket auto insurance quote and switch to them.

How does every company sell you cheaper insurance coverage? You have to listen carefully.

Companies look for specific characteristics for the type of customer that will be a good risk. A good example of a driver they prefer could be over the age of 35, insures multiple vehicles, and drives a vehicle with a low ISO rating. Any driver who fits those characteristics may get the lowest prices in Pawtucket and will most likely save when they switch companies.

Potential insureds who are not a match for this ideal profile will get higher prices and this results in the prospect going elsewhere. The wording the ads use say "people who switch" but not "everyone who gets a quote" save that kind of money. That's why companies can make it sound like they have such great rates.

Each company has different criteria, so you really should quote coverage with many companies. It's just too difficult to predict the company that will give you lower prices than your current company.

When do I need an agent's advice?

When it comes to coverage online or from an agent, there really isn't a one-size-fits-all type of policy. You are unique so your insurance needs to address that.Safe vehicles cost less to insure These are some specific questions can aid in determining whether you will benefit from professional help.

If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverage breakdown

Understanding the coverages of car insurance can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from car insurance companies.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other's property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, medical services and loss of income. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. Rhode Island state law requires minimum liability limits of 25/50/25 but you should consider buying more liability than the minimum.

Lowest and Highest Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Acura MDX Chevrolet Cruze
Mercedes-Benz SL Class Mitsubishi Mirage
Volvo XC60 Chrysler 200
Subaru Outback Dodge Charger
Audi A6 Hyndai Accent
Fiat 500 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive protection

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, hail damage, a broken windshield and fire damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Car Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Porsche Panamera GTS
Chevy Silverado 2500 Mercedes-Benz S Class
Nissan Leaf Maserati Granturismo
Chevy Spark Audi S7
Infiniti QX50 BMW M6
Ford F-350 Maserati Quattroporte

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as rehabilitation expenses, pain medications and funeral costs. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Chevrolet Sonic
Land Rover Range Rover Sport Mitsubishi Lancer
Chevrolet Silverado 2500 Chrysler 200
Ford F-350 SuperCrew Nissan Sentra
Audi A4 Allroad Hyundai Accent
Ford Expedition Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Coverage for collisions

Collision coverage pays for damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to increase the deductible in order to get cheaper collision rates.

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Claim Amount Highest Claim Amount
Mini Cooper Bently Continental GT
Chevrolet Colorado Nissan GT-R
GMC Canyon Bently Continental GTC
Nissan Xterra Maserati Ghibli
Smart ForTwo BMW M6
Jeep Wrangler BMW 6 Series

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured or underinsured coverage

This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your vehicle.

Due to the fact that many Rhode Island drivers have only the minimum liability required by law (Rhode Island limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Cheaper insurance is a realistic goal

Throughout this article, we presented many ways to shop for insurance online. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even be surprised to find that the best price on insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

When you buy Pawtucket auto insurance online, do not buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

Much more information about insurance in Rhode Island is located at the links below