Who Has the Cheapest Auto Insurance for Police Officers in Rhode Island?
You have seen the captivating ads from car insurance companies like State Farm, Progressive, and GEICO that promise huge savings, so drivers just need to pick one at random, right?
That is not the case, however, as there are a ton of unknown factors like the safety features built into your vehicle, if you want full coverage, and where you live, that all influence how much you pay for auto insurance. We will touch on the different ways to avoid overpaying and will hopefully give you a jump start in finding the best auto insurance in Rhode Island.
Establishing which companies quote the most affordable auto insurance rates for police officers will involve a little more sweat than just comparing rates from one or two companies. Every car insurance company uses their own calculation for determining rates in each state, so let’s examine the overall cheapest auto insurance companies in Rhode Island.
It’s important that you understand Rhode Island auto insurance rates are influenced by many factors that can increase the price you have to pay. Simply improving your credit, adding a teenager to your policy, or having a fender bender may prompt premium changes that can now make some companies more affordable than competitors.
Find the Cheapest Auto Insurance for Law Enforcement
USAA may have some of the best car insurance rates in Rhode Island at around $719 a year. State Farm, Travelers, Amica, and Progressive also rank well as some of the cheapest Rhode Island car insurance companies.
As illustrated above, if you have coverage with State Farm and switched to USAA, you may see yearly savings of around $420. Drivers with Travelers may save as much as $527 a year, and Amica insureds might realize rate reductions of up to $778 a year.
To see how much you can save, click here to start a quote or click through to the companies below.
These policy rates are averages for all ages of drivers and types of vehicles and are not factoring in a rate decrease for police officers. So the auto insurance company that is best suited for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own specific driver information and vehicle.
The vehicle model needing coverage is a large factor that determines the availablility of the cheapest auto insurance for police officers in Rhode Island. Vehicles with limited speed and performance, good safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models.
The next lists presents coverage rates for the most budget-friendly vehicles to buy coverage for.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Malibu LS | $1,444 | $722 | $120 |
| Ford Focus SES 2-Dr Coupe | $1,622 | $811 | $135 |
| Honda Accord EX-L 4-Dr Sedan | $1,334 | $667 | $111 |
| Honda Civic LX 2-Dr Coupe | $1,766 | $883 | $147 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,654 | $827 | $138 |
| Kia Optima LX | $1,536 | $768 | $128 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,562 | $781 | $130 |
| Toyota Corolla XRS | $1,562 | $781 | $130 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,452 | $726 | $121 |
| Get a Custom Quote for Your Car Go | |||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific zip code location which can lower or raise rates noticeably.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura MDX with Tech Package 4WD | $1,594 | $797 | $133 |
| Chevrolet Traverse LS 2WD | $1,248 | $624 | $104 |
| Ford Escape XLT 4WD | $1,248 | $624 | $104 |
| Ford Explorer Limited AWD | $1,476 | $738 | $123 |
| GMC Acadia SLT AWD | $1,476 | $738 | $123 |
| Honda CR-V EX 4WD | $1,248 | $624 | $104 |
| Honda Pilot LX 2WD | $1,358 | $679 | $113 |
| Hyundai Tucson Limited 4WD | $1,444 | $722 | $120 |
| Jeep Grand Cherokee Limited 4WD | $1,562 | $781 | $130 |
| Jeep Patriot Limited 2WD | $1,444 | $722 | $120 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,452 | $726 | $121 |
| Subaru Forester X AWD | $1,366 | $683 | $114 |
| Toyota Highlander Limited 2WD | $1,594 | $797 | $133 |
| Toyota RAV4 4WD | $1,444 | $722 | $120 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in Rhode Island location which can increase or decrease rates significantly.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Extended Cab 4WD | $1,218 | $609 | $102 |
| Chevrolet Silverado 3500HD LT Extended Cab 4WD | $1,860 | $930 | $155 |
| Chevrolet Silverado LT Crew Cab 2WD | $1,654 | $827 | $138 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,712 | $856 | $143 |
| Dodge Ram Crew Cab SLT 2WD | $1,568 | $784 | $131 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $1,594 | $797 | $133 |
| Ford F-250 XL 2WD | $1,536 | $768 | $128 |
| GMC Sierra 3500HD SLT Crew Cab 4WD | $1,860 | $930 | $155 |
| GMC Sierra SL Extended Cab 2WD | $1,444 | $722 | $120 |
| Toyota Tundra Limited Crew MAX 4WD | $1,686 | $843 | $141 |
| Get a Custom Quote for Your Truck Go | |||
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in zip code location which can affect insurance rates noticeably.
When shopping for auto insurance for law enforcement personnel, one of the many criteria that is looked at to help calculate the price of your policy is your address in Rhode Island. Areas with high crime rates or more dense population like Providence, Pawtucket, and Central Falls tend to pay higher rates, whereas less populated areas tend to receive cheaper rates.
The illustration below rates the most expensive cities in Rhode Island for police officers to purchase auto insurance in.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Providence | $2,299 |
| 2 | Cranston | $2,117 |
| 3 | Pawtucket | $1,894 |
| 4 | East Providence | $1,870 |
| 5 | Central Falls | $1,783 |
| 6 | Harmony | $1,707 |
| 7 | Greenville | $1,700 |
| 8 | Valley Falls | $1,690 |
| 9 | Warwick | $1,681 |
| 10 | Cumberland Hill | $1,660 |
| 11 | Chepachet | $1,589 |
| 12 | Pascoag | $1,559 |
| 13 | Woonsocket | $1,555 |
| 14 | Harrisville | $1,531 |
| 15 | Hope Valley | $1,522 |
| 16 | Bradford | $1,506 |
| 17 | Westerly | $1,478 |
| 18 | Narragansett Pier | $1,475 |
| 19 | Kingston | $1,471 |
| 20 | Wakefield-Peacedale | $1,454 |
| Compare Prices Now Go | ||
Rate information is estimated as the vehicle garaging location can influence prices noticeably.
The information below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for police officers. The information is based on a single female driver, full physical damage coverage, and no discounts are factored in.
A 50-year-old driver could pocket $434 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $654 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save up to $1,114 or more just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it will be necessary to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to find economical insurance for police officers
It’s not impossible to find cheaper rates, and here are a few penny-pinching solutions that can help you find cheaper coverage.
- At-fault accidents will increase rates
- Try to pay small claims out-of-pocket
- Safe vehicles generally have lower rates
- Save money by obeying traffic laws and keeping a clean driving record
- Bundle home and auto and save
- Compare rates often to find the best deal
The last suggestion is notably significant, as was noted in this article. Insurance rates in Rhode Island can change considerably in a year, so don’t be hesitant to change to a new company if a lower price can be found. Having a favorite company is fine, but we do not recommend it if that faithfulness ends up costing you a small fortune year after year. It only takes a couple minutes to shop around and find cheaper insurance for police officers.
Cheap insurance quotes for law enforcement personnel
There are quite a few ways to get cheap auto insurance quotes in Rhode Island, but the most frequently used are either through a captive (or exclusive) agency such as Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Progressive or Geico.
All three ways are similar, but buyers need to know the differences in how they provide rate quotes.
Independent insurance agencies write business for many companies and can compare rates with each one. These types of agents are usually affiliated with several companies and can provide you with more rate quotes, which can give you a better overall rate comparison. If they find a lower price, your policy can be easily switched to a different company which makes it simple for you.
An agent who is captive is only able to write with a single insurance company, two examples are a State Farm or Allstate agent. They usually cannot provide a range of price quotes, so if their prices are high, they cannot shop around.
Direct auto insurance buyers do not use a local insurance agent and instead buy direct either online or via phone. Shopping for auto insurance direct can be a good choice for people who have limited assets and have a decent understanding of what auto insurance covers.
What is the best method for finding the cheapest auto insurance for police officers in Rhode Island? It would be premature to say shopping direct results in the cheapest price because there is no agent taking a commission, but unfortunately, that is not the case. It could also be said an independent agent is the best way to save due to more options, but that’s not always true, either. In a lot of cases, the exclusive agents may have prices that other companies cannot beat.
Due to the fact that auto insurance rates vary so much, really the only way to find out which one is cheapest is to obtain price quotes and compare them. Set aside the time to get price quotes all three ways to have the best rate selection. For a list of companies with cheap rates in Rhode Island, click here to view.
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