Chepachet Auto Insurance Rates, Quotes, Agents & Reviews in RI

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.

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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 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