Best Cheap Car Insurance for Felons in Rhode Island

When writing about shopping for auto insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for felons is pretty hard to find. Don’t get your dauber down, because we can show you some ways you can still find coverage that fits into your budget.

For Rhode Island drivers, one of the criteria that is looked at to help calculate the price you pay for insurance is where you normally keep your vehicle. Regions with larger populations or more claims like Providence, Pawtucket, and Central Falls tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims profit from lower rates.

The table below ranks the most expensive places in Rhode Island for felons to buy car insurance in.

Premium costs are approximated as the specific garaging location can revise price quotes significantly.

The type of vehicle you are insuring is one of the main factors in finding low-priced insurance for felons. Vehicles with average performance, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The data below ranks insurance costs for some of the most cost-effective automobiles to buy coverage for.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can decrease or increase premium rates greatly.

Looking at the data, we can presume that models like the Honda CR-V, Chevrolet Traverse, Kia Forte, and Hyundai Tucson will definitely be some of the most economical vehicles to insure for felons.

Trying to find low-cost insurance is confusing at best, and figuring out which company quotes the cheapest insurance rates for felons calls for additional perseverance. Each company uses a different method for determining rates in each state, so let’s rank the most budget-friendly insurance companies in Rhode Island.

Best Cheap Insurance Rates for Felons

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USAA offers some of the cheapest car insurance rates in Rhode Island at around $726 a year. State Farm, Travelers, Amica, and Progressive would also make the list of some of the most economical Rhode Island auto insurance companies.

In the above example, if you buy coverage from Progressive and switched to State Farm, you might see an annual savings of around $416. Rhode Island drivers with Quincy Mutual might save as much as $515 a year, and Peerless policyholders might lower prices by $657 a year.

To find out how much you can save, click here to start your custom quote or quote rates from the companies below.

These policy prices are averages for all drivers and vehicles in Rhode Island and and are not calculated with a rate discount for felons. So the company that has the cheapest price for you may not even be included in the list of companies shown earlier. That illustrates why you need to get rate quotes using your own personal information and vehicle type.

The example below shows how choosing a deductible can raise or lower insurance rates when getting quotes for cheap insurance for felons. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.

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The data above shows that a 50-year-old driver could lower their policy premium by $434 a year by increasing from a $100 deductible up to a $500 deductible, or save $654 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 category, could potentially save as much as $1,114 or even more by choosing larger deductibles on their policy. When using a larger deductible, it is important to have enough spare savings to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Who has the cheapest insurance quotes for felons?

There are many different ways to shop around for insurance in Rhode Island, but the three most common methods are from an independent insurance agent, an exclusive insurance agency such as Liberty Mutual or Allstate, or direct from companies such as Progressive or Geico. Each way is similar, but they are slightly different in how they price policies.

Independent agencies write for multiple companies and can provide price quotes from all of them. Independent agents are not employed by one specific company and can provide you with more rates, which can give you a better comparison. If you are not satisfied with one company, they simply move your policy to a different company and you stay with the same agent.

Exclusive agents are only able to give rates for a single company, examples being an Allstate or State Farm agent. These agents normally cannot provide rates from more than one company, so it’s a good idea to get additional quotes.

Choosing to buy insurance direct means you bypass a local insurance agent and instead shop from a direct company like Geico or Progressive. Buying insurance direct may be preferred by consumers who do not have complex finances and have a decent understanding of what specific coverages and deductibles they need.

So which way is best to buy the best cheap car insurance for felons in Rhode Island? Most people assume that buying from a direct company results in the best prices since that eliminates agent commissions, but in reality, that argument does not hold true. It could also be said buying from an independent agent saves the most money due to having more companies to select from, but that assumption is also not necessarily accurate. And often times, the exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Because there are so many factors that make up insurance rates, the best way to buy the cheapest policy is to obtain price quotes and compare them. Make the effort to get price quotes from independent, exclusive, and direct in order to find the best price. To see some of the cheapest online companies available, click here to view.