Who Has the Cheapest Insurance for 4×4 Vehicles in Rhode Island?

Our staff writers always rib each other than when writing about car insurance, the word cheap should never appear anywhere in the article. The fact is, cheap auto insurance for 4×4 vehicles is almost non-existent. Don’t let that spoil your day, because we will teach you how you can still find and buy car insurance that is cheaper than your current rate.

Establishing which companies quote the most affordable car insurance rates for 4×4 vehicles takes more time in order to find a policy that fits your budget. Each company has a proprietary formula to determine premium rates, so let’s examine the car insurance companies that tend to have lower prices in Rhode Island.

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USAA generally has some of the best car insurance rates in Rhode Island at around $726 each year. State Farm, Travelers, Amica, and Progressive are also some of the cheaper Rhode Island car insurance companies.

In the rate table above, if you currently have a policy with Travelers and switched to USAA, you could earn an annual savings of roughly $533. Rhode Island drivers with Amica may save as much as $741 a year, and Progressive insureds might see rate reductions of $818 a year.

To compare your rates to other Rhode Island insurance companies, click here to start your custom quote or click through to the companies below.

Understand that those premiums are averages for all drivers and vehicles in Rhode Island and and are not figured with a rate decrease for 4×4 vehicles. So the car insurance company that has the cheapest price for you may not even be shown in the company chart above. That point stresses why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The type of vehicle that needs insurance is probably the largest consideration when looking for the cheapest insurance for 4×4 vehicles in Rhode Island. Vehicles with high performance engines, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.

The list below estimates auto insurance rates for a selection of the cheaper vehicles to buy coverage for.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can modify premiums significantly.

Based upon the table data, we can tell that makes and models like the Ford Escape, Honda Accord, Chevrolet Traverse, and Honda Odyssey are going to be a few of the most affordable vehicles to insure for off-road vehicles.

When buying insurance for off-road vehicles, one of the key things that influence insurance cost is where you call home in Rhode Island. Larger areas like Providence, Pawtucket, and Central Falls will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates generally pay lower insurance rates.

The next table sorts the most costly cities in Rhode Island for 4×4 vehicles in which to purchase auto insurance.

Information shown are comparative as the garaging address in Rhode Island can change auto insurance rates substantially.

Should you buy full coverage?

Finding the cheapest insurance for 4×4 vehicles in Rhode Island is important to most drivers, and an effective way to buy cheap insurance is to buy only liability coverage. The example below illustrates the difference between premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Rhode Island. The data is based on no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are factored in.

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Averaged for all age groups, comp and collision coverage costs an additional $2,090 per year more than just insuring for liability. At some point, about every driver wonders when is it safe to stop buying full coverage. There isn’t a written rule of when to stop paying for physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

There are a few cases where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not buy liability only.

How to find low-cost car insurance for 4×4 vehicles

The list below details some penny-pinching ideas that can help you buy cheap coverage.

• Safer vehicles cost less to insure
• Raise deductibles
• Prevent price hikes by avoiding at-fault accidents
• Full coverage is expensive so only insure older vehicles for liability only
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Drivers with good credit often pay less
• Shop around for cheaper prices often

The last suggestion is particularly significant, as we emphasized in this article. Prices charged by auto insurers change constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that inflexibility results in costing you hundreds of dollars year after year. Take a few minutes and shop around to find cheaper insurance for 4×4 vehicles.

Cheap insurance quotes for off-road vehicles

Drivers have a lot of ways to find lower-cost car insurance in Rhode Island, but the most prevalent are through an independent insurance agent, an exclusive insurance agency such as State Farm or Liberty Mutual, or direct from companies such as Geico or Progressive.

You can use whichever method you prefer, but it’s good to know the differences in how they give price quotes.

Independent agencies write business for many companies and can get rate quotes from each one. Agents of this type are not restricted to one company and can get prices from more than one company, which may provide you with a better overall rate comparison. If your premiums go up, the agent simply finds a different carrier without having to get a different agent.

An agent who is captive is able to quote prices with a single insurance company such as Allstate or Farmers Insurance agents. These agents are unable to provide rates from more than one company, so you will not be able to compare other companys’ rates.

The final way is buying direct, which means you forego either of the other two types of agents and buy direct either online or via phone. Buying car insurance direct may be a decent choice consumers who do not need high amounts of coverage and have knowledge of the limitations of car insurance.

What is the best method to find the cheapest insurance for 4×4 vehicles in Rhode Island? We wish we could say buying from a direct company yields the cheapest rates because you bypass the middleman, but that turns out to not be true. We could also say that buying car insurance from an independent agent saves the most money since they can quote with many companies, but that assumption is not true either. In the right set of circumstances, the exclusive agents have extremely competitive rates that other car insurance companies cannot touch.

Since car insurance prices vary so much, the guaranteed way to ensure you are not overpaying is to do a thorough rate comparison. To find the best rates, be sure to get quotes from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.