Who Has Cheap Auto Insurance Quotes for Government Employees in Rhode Island?

The words “economical” and “auto insurance” really should not be used together, specifically when looking for the best insurance rates for government employees. Let’s get started by showing you a few of the factors that have an effect on insurance prices, and find out if you can lower the price of your next policy.

The cost and performance of the vehicle requiring coverage is one of the largest considerations when comparing the best cheap car insurance for government employees. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than higher performance models.

The next tables outlines coverage prices for a handful of the more afforable automobiles to buy coverage for.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in your specific Rhode Island location which can affect price quotes considerably.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rate information does not factor in garaging location in Rhode Island which can affect coverage prices noticeably.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific zip code location which can increase or decrease prices greatly.

When shopping for the cheapest auto insurance for state and federal workers, one of the many criteria that is used by auto insurance companies to determine the policy price is where you live in Rhode Island. More densely populated places like Providence, Pawtucket, and East Providence tend to have more expensive auto insurance rates, whereas areas with less traffic congestion and claims tend to receive slightly lower rates.

The table below sorts the more expensive cities in Rhode Island for government employees to buy car insurance in.

Information shown are estimated as the specific garaging location can modify coverage prices significantly.

The information below demonstrates how deductibles can raise or lower yearly insurance costs when trying to find cheap insurance for government employees. The rate quotes are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

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A 50-year-old driver could lower their policy premium by $284 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $428 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices $938 or more by choosing larger deductibles on their policy. When raising deductibles, it will be necessary to have enough savings to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Impact of citations and accidents on insurance rates

The best way to score cheap car insurance for government employees in Rhode Island is to be a good driver and not get tickets or have accidents. The chart below shows how violations and at-fault collisions influence auto insurance rates for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2845,3701,6599],[‘Age 30’, 2005,2861,5757],[‘Age 40’, 1975,2829,5729],[‘Age 50’, 1727,2587,5481],[‘Age 60’, 1651,2505,5401],[‘Age 70’, 1767,2623,5521]]);var options = {title: ‘Effect of Citations and Accidents on Rhode Island Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Rhode Island’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance per year with no accidents and a clean driving record is $1,995. Receive two speeding tickets and the average cost increases to $2,851, an increase of $856 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for government employees increases to an average of $5,748. That’s an increase of $3,753, or $313 per month, just for not driving attentively!