Who Has Cheap Car Insurance Quotes for College Students in Rhode Island?

It’s hard to miss the catchy commercials from insurers like GEICO and Liberty Mutual that guarantee dirt cheap rates. So drivers should just pick one at random, right?

It’s not quite that easy, unfortunately, as there are a whole slew of unknown factors such as whether or not you are currently insured, if you are a homeowner or renter, and the number of miles you drive in a year, that all have an effect on the price. This article should teach you a little about the different scenarios that increase car insurance cost and also should give you a good start in finding the cheapest car insurance.

One of the more important criteria that impact a rate quote is where your residence is in Rhode Island. Regions with more people or even just more weather-related claims like Providence, Pawtucket, and East Providence tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The illustration below sorts the most costly cities in Rhode Island for college students to purchase car insurance in.

Price information shown is estimated as the specific area where the vehicle is garaged can modify coverage rates greatly.

We all like different vehicles, and the type of vehicle that needs insurance is one of the primary factors when shopping for economical insurance for college students. Vehicles with lots of horsepower, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer, lower-performance models. The next lists showcases coverage rates for a number of the cheaper automobiles to buy coverage for.

Table data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices considerably.

Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific garaging location which can revise price quotes significantly.

Data rating is based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific location which can decrease or increase premiums significantly.

The illustration below demonstrates how deductible levels can change insurance premiums when trying to find cheap insurance for college students. The premiums are based on a single female driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4361,4003,3613,3247],[‘Age 30’, 2995,2739,2447,2169],[‘Age 40’, 2781,2547,2283,2033],[‘Age 50’, 2427,2223,1993,1773],[‘Age 60’, 2351,2153,1931,1719],[‘Age 70’, 2749,2523,2275,2041]]);var options = {title: ‘Impact of Deductible Levels on Auto Insurance Rates in Rhode Island’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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 data above shows that a 30-year-old driver could lower their car insurance rates by $498 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $748 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave $1,114 or more by using higher deductibles when buying full coverage. When raising deductibles, it will be required to have emergency funds available to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Safe drivers pay cheaper rates

The easiest method to get the cheapest car insurance prices in Rhode Island for students in college is to pay attention while driving and avoid getting tickets or having accidents. The example below demonstrates how citations and at-fault claims can raise car insurance rates for each age group. The price estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1871,2091,4147],[‘Age 30’, 1289,1507,3567],[‘Age 40’, 1285,1505,3563],[‘Age 50’, 1133,1353,3411],[‘Age 60’, 1077,1293,3355],[‘Age 70’, 1169,1389,3447]]);var options = {title: ‘Effect of Tickets and Claims on Rhode Island Insurance Rates’,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 a car insurance policy in Rhode Island per year with no accidents and a clean driving record is $1,304. Factor in one speeding ticket and the average cost hikes up to $1,523, an increase of $219 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for college students increases to an average of $3,582. That’s an increase of $2,278, or $190 per month, just for not being more responsible behind the wheel!