Cumberland Hill Auto Insurance Rates, Quotes, Agents & Reviews in RI

Cumberland Hill, RI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cumberland Hill, 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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Factors that can influence the cost of car insurance in Cumberland Hill, 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.


Cumberland Hill, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cumberland Hill, RI with that of other cities in and around Cumberland Hill.

Cumberland Hill Woonsocket Smithfield Blackstone Cumberland North Smithfield
Average Insurance Rates $2,189 $1,768 $2,215 $1,277 $1,764 $2,218

Cumberland Hill, 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 Cumberland Hill, 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)
Cumberland Hill $1,630 $1,377
Cumberland $2,342 $1,978
Woonsocket $1,075 $908
Lincoln $1,515 $1,280
North Smithfield $1,801 $1,522
Valley Falls $1,392 $1,175
Blackstone $1,724 $1,456
Smithfield $1,728 $1,460

Cumberland Hill, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cumberland Hill, 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 $7,103
20 Years $2,813
30 Years $2,166
40 Years $2,084
50 Years $1,930
60 Years $1,957
70 Years $2,278

Cumberland Hill, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cumberland Hill, 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 $3,721 $657
3 Vehicles $5,582 $985
4 Vehicles $7,443 $1,313

Savings on 2 Vehicles bundle:$657

Savings on 3 Vehicles bundle:$985

Savings on 4 Vehicles bundle:$1,313


Cumberland Hill, 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 Cumberland Hill, RI.

Location Average Insurance Cost Post DUI Insurance Rate
Cumberland Hill $2,189 $4,349
Cumberland $1,764 $3,505
Woonsocket $1,768 $3,513
Lincoln $2,226 $4,423
North Smithfield $2,218 $4,407
Valley Falls $2,163 $4,298
Blackstone $1,277 $2,312
Smithfield $2,215 $4,401

Cumberland Hill, 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) $1,878
Excellent (740-799) $2,144
Good (670-739) $2,281
Average (580-669) $2,976
Poor (300-579) $3,571

Cumberland Hill, 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
Hunter Insurance Inc Liberty Mutual Independent 389 OLD RIVER ROAD, MANVILLE, 2838 401-769-9500
Smith Insurance Group Inc Travelers 664 ARMISTICE BLVD, PAWTUCKET, 2861 401-724-1661
Jack Tavares Allstate 720 Central Ave, Pawtucket, 2861 (401) 728-8686
Trusted Insurance Alliance Liberty Mutual Independent 279 Dexter St, PAWTUCKET, 2860 (401) 723-8510
Blais Insurance Travelers 1 Walker Street Lincoln, Central Falls, 2865 (401)305-4948
Blais Insurance Travelers 1 Walker Street Lincoln, Central Falls, 2865 (401)305-4948
Lefebvre Insurance Agency Inc. Nationwide 839 North Main St, Providence, 2904 (401) 273-0022
Esten & Richard Agency Inc Liberty Mutual Independent 342 PARK AVE, WOONSOCKET, 2895 401-766-4200

Cumberland Hill, 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 $2,285
Driver's Failure In Showing Documents +$212 $2,401
Driving With An Expired Registration +$225 $2,414
Driving At A Considerably Slow Pace +$475 $2,664
Using A Cellphone While Driving +$501 $2,690
Running A Red Light +$510 $2,699
Speeding +$536 $2,725
Driving A Vehicle Without The Required Permission +$681 $2,870
Driving With An Expired/Suspended License +$1,475 $3,664

Cumberland Hill, 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 $2,101
Active Disabling Device $2,101
Tracking Device $2,058
Passive Disabling Device $2,036