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The State of Rhode Island mandates that rhode island auto insurance insurers have rhode island auto insurance premium reductive plans
in place - these plans offer credits to drivers who have safe driving records,
are of a certain age, or drive safer or newer vehicles. Such plans may not be
discriminatory. The state also allows rhode island auto insurance companies to assess higher rhode island auto insurance premiums against drivers for being in "chargeable" accidents or for receiving multiple tickets for moving violations.
The state also mandates uninsured and underinsured motorist insurance; however, a motorist may decline uninsured and underinsured coverage, provided that the motorist purchases ONLY the minimum liability and property damage coverage. Rhode Island auto insurance proceeds on the tort system wherein a motorist purchases rhode island auto insurance not to protect himself. Drivers may purchase comprehensive and collision
insurance, and the state recommends that drivers purchase more than the minimum liability required by law.
A "chargeable" accident, under Rhode Island law, is one in which
the driver is considered by a court of law to have been 51% or more responsible for the accident and has been required to pay 51% or more of damages to the other driver. Overall, Rhode Island auto insurance insurers are able to assess rhode island auto insurance premiums on the basis of the age or sex of the driver, the year, make, and model of the vehicle insured, the purpose for which the car is driven, and the location in which the motorists live and operates the vehicle. If an rhode island car insurance insurer increases the rhode island auto insurance premium on a motorist for a chargeable accident, the duration of that increase may not last longer than three years, and the motorist may appeal the rhode island car insurance rate increase to the state.
With average rhode island auto insurance premium at around $1,156 in 2003, and the national average at around $914, most Rhode Islanders incorrectly assume that they have no choice but to accept these rhode island auto insurance rates fixed by rhode island car insurance companies and state regulatory agencies. We know there are cheap rhode island car insurance rates available for you, and we will help you find the cheapest rhode island auto insurance quotes.
The State of Rhode Island requires motorists to carry "25/50/25"
liability coverage. The coverage must provide at least $25,000 of protection
for one person injured in an auto accident, $50,000 for two or more persons injured in an auto accident, and $25,000 for property damaged caused by an auto accident.
As the years go by, the rhode island auto insurance rates change, you might be paying more rhode island automobile insurance premium than you need to. Just one year earlier, the average rhode island auto insurance premium in 2002 was about $1,096, that's an increase of about 5.47% in just one year!
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