Cheap Car Insurance Quotes for Drivers with Accidents in Rhode Island

The type of vehicle needing coverage is a large factor when comparing quotes for cheap auto insurance for drivers with accidents in Rhode Island. Vehicles with high performance engines, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models. The information below estimates insurance premiums for some of the more afforable automobiles to insure in Rhode Island.

Price data assumes married male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific location information which can impact rates noticeably.

By looking at the data, makes and models like the Honda CR-V, Honda Accord, and Ford F-150 are likely to be a few of the more affordable vehicles to insure for drivers with at-fault accidents. Prices will be more expensive because there is more risk for drivers with accidents, but in general those models will most likely have the cheapest auto insurance rates that you’ll find.

When shopping for cheaper car insurance for drivers with at-fault accidents, one of the many considerations that helps car insurance companies calculate auto insurance rates is where you normally keep your vehicle. Cities with larger populations or higher claim trends like Providence, Pawtucket, and Central Falls tend to have higher rates, whereas more rural areas profit from lower rates.

The illustration below sorts the highest-priced areas in Rhode Island for drivers with accidents to buy an auto insurance policy in.

Table data uses comparative as vehicle location can alter premiums substantially.

Cautious Rhode Island drivers save money

In a perfect world, the best way to receive cheap auto insurance for drivers with accidents in Rhode Island is to be a cautious driver and maintain a clean driving record. The diagram below highlights how speeding tickets and at-fault claims can affect auto insurance rates for different categories of driver ages. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

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The data charted above shows the average cost of car insurance in Rhode Island per year with a clean driving record and no accidents is $1,446. Get written up for two speeding tickets and the average cost swells to $1,984, an increase of $538 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for drivers with accidents jumps again to an average of $2,529. That’s an increase of $1,083, or $90 per month, just for not being a responsible driver!

The chart below demonstrates how deductible levels can affect annual premium costs when searching for cheap insurance for drivers with accidents. The information is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4453,4031,3569,3137],[‘Age 30’, 2291,2095,1867,1645],[‘Age 40’, 2285,2077,1837,1609],[‘Age 50’, 2071,1883,1673,1469],[‘Age 60’, 1999,1819,1617,1423],[‘Age 70’, 2409,2203,1975,1761]]);var options = {title: ‘Impact of Deductibles on Car Insurance Rates in Rhode Island’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could save $398 a year by changing from a $100 deductible up to a $500 deductible, or save $602 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could potentially save up to $1,316 annually by using higher deductibles when buying full coverage.

When using a larger deductible, it is important to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Which auto insurance company is best?

If you want reliable auto insurance for drivers with at-fault accidents, four companies to definitely compare rates with are Allstate, Progressive, Geico, and State Farm. They all offer your standard coverages, but each one has a slightly different mix of options and features that policyholders can choose from. The table below rates ratings and policy coverage options that are available.