Chepachet, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Chepachet, RI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Latest Car Insurance Rates in Chepachet, RI
The average cost of auto insurance in Chepachet, RI, is $2,172. Car insurance rates may vary from one company to another depending on many factors. It includes the driver's age, gender, marital status, driving history, credit history, claims record, DUI reports, and many more. Car owners looking for suitable car insurance in Chepachet, RI, must understand the role of these factors in detail. Zimlon has explored the aspects responsible for the change in the car insurance rates in Chepachet, RI. Compare these factors to obtain the best deal and discounts on car insurance in Chepachet, RI.
a. Credit History
Your auto insurance quote is based on your credit score. Insurance companies assume that car owners with low credit scores are a risk to the company as they tend to file more claims in the future. Therefore, insurance companies charge high car insurance rates in Chepachet, RI, with poor credit scores. For instance, car owners with excellent credit scores in Chepachet, RI, have to pay $2,127, while those with poor credit scores have to pay $3,543.
b. Age of the driver
A young driver (aged 17 and 24) is much more likely to be involved in a vehicle collision. They are considered less experienced behind the wheel and take more risks while driving. This increases the car's repair expenses and medical bills. In order to cover the extra repair costs and any medical bills that might result from those accidents, insurance companies charge high auto insurance rates in Chepachet, RI, to young drivers. For example, teenagers pay $7,048 on auto insurance in Chepachet, RI, whereas old drivers aged 40 years pay $2,068.
c. Driving Habits
For most drivers in Chepachet, RI, car insurance rates are calculated based on their driving record. Your driving record includes the severity of traffic violations and at-fault accidents, age, and other factors. Each insurance company has its set standards for determining whether an individual is a safe driver or not and how much to charge for auto insurance in Chepachet, RI. For example, car drivers running a red light or driving with an expired license must pay +$506 and +$1,464 extra on the total cost of car insurance in Chepachet, RI. Therefore, it is crucial to avoid traffic violations to get low auto insurance in Chepachet, RI.
Factors that can influence the cost of car insurance in Chepachet, RI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Chepachet, RI Auto Insurance Rates
- Chepachet, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Chepachet, RI
- Multi Vehicle Insurance Savings in Chepachet, RI
- How Credit Score Affects Car Insurance Rates in Chepachet, RI
- How DUI Affects Auto Insurance Premiums in Chepachet, RI
- Top Auto Insurance Agents Near Chepachet, RI
- How Driving Violations Affect Auto Insurance Rates in Chepachet, RI
- Chepachet, RI Auto Insurance Discounts on Anti Theft Feature
Chepachet, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Chepachet, RI with that of other cities in and around Chepachet.
| Chepachet | Glocester | Harrisville | Burrillville | Harmony | Pascoag | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,172 | $2,205 | $2,131 | $2,175 | $2,172 | $2,160 |
Chepachet, RI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Chepachet, RI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Chepachet | $1,745 | $1,474 |
| Glocester | $2,723 | $2,300 |
| Harmony | $1,619 | $1,368 |
| Pascoag | $1,165 | $984 |
| Harrisville | $1,455 | $1,229 |
| Burrillville | $1,474 | $1,245 |
| Providence County | $1,761 | $1,488 |
| Greenville | $1,355 | $1,145 |
Chepachet, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Chepachet, RI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $7,048 |
| 20 Years | $2,791 |
| 30 Years | $2,150 |
| 40 Years | $2,068 |
| 50 Years | $1,915 |
| 60 Years | $1,942 |
| 70 Years | $2,260 |
Chepachet, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Chepachet, RI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,823 | $521 |
| 3 Vehicles | $5,734 | $782 |
| 4 Vehicles | $7,645 | $1,043 |
Savings on 2 Vehicles bundle:$521
Savings on 3 Vehicles bundle:$782
Savings on 4 Vehicles bundle:$1,043
Chepachet, RI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Chepachet, RI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Chepachet | $2,172 | $4,316 |
| Glocester | $2,205 | $4,381 |
| Harmony | $2,172 | $4,316 |
| Pascoag | $2,160 | $4,292 |
| Harrisville | $2,131 | $4,234 |
| Burrillville | $2,175 | $4,322 |
| Providence County | $1,985 | $3,944 |
| Greenville | $2,201 | $4,373 |
Chepachet, RI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,864 |
| Excellent (740-799) | $2,127 |
| Good (670-739) | $2,263 |
| Average (580-669) | $2,953 |
| Poor (300-579) | $3,543 |
Chepachet, RI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Apple Valley Insurance | None | 528 Putnam Pike, Greenville, 2828 | (401)250-5043 |
| Joseph Doura | Allstate | 1188A Putnam Pike, Chepachet, 2814 | (401) 568-7143 |
| The Slocum Agency Inc | Liberty Mutual Independent | 1229 GREENWICH AVE, WARWICK, 2886 | 401-728-3366 |
| Bradford-Sutcliffe Ins Assoc | Liberty Mutual Independent | 511 PUTNAM PIKE, GREENVILLE, 2828 | (401) 949-3500 |
| Cara Benjamin | Allstate | 125 Eddie Dowling Hwy, N Smithfield, 2896 | (401) 765-5000 |
| Paolino Insurance Agaency Inc | Travelers | 100 Westminster St 17Th Fl, Providence, 2903 | None |
| Apple Valley Agency Inc | Travelers | 528 PUTNAM PIKE, GREENVILLE, 2828 | 401-949-0559 |
| Charland Insurance | None | 47 Danielson Pike , North Scituate, 2857 | None |
| Cormack-Routhier Agency, Inc. | None | 1 Harry St, Cranston, 2907 | None |
Chepachet, RI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$96 | $2,268 |
| Driver's Failure In Showing Documents | +$211 | $2,383 |
| Driving With An Expired Registration | +$224 | $2,396 |
| Driving At A Considerably Slow Pace | +$471 | $2,643 |
| Using A Cellphone While Driving | +$497 | $2,669 |
| Running A Red Light | +$506 | $2,678 |
| Speeding | +$532 | $2,704 |
| Driving A Vehicle Without The Required Permission | +$675 | $2,847 |
| Driving With An Expired/Suspended License | +$1,464 | $3,636 |
Chepachet, RI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $2,085 |
| Active Disabling Device | $2,085 |
| Tracking Device | $2,042 |
| Passive Disabling Device | $2,020 |