East Providence, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in East Providence, 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.
Cheapest Car Insurance In East Providence, RI
The average cost of car insurance in East Providence, RI, is $1,801. Auto insurance is a must in East Providence, RI. Carrying the minimum required car insurance in Rhode Island is the law. Drivers who do not have auto insurance can be fined and have their driver’s license suspended. There are many different auto insurance companies to choose from in East Providence, RI. When shopping for car insurance, get quotes from several companies and compare rates. Also, be sure to ask about discounts. Many auto insurance companies offer discounts like safe driving, good grades, and more. Here are some guidelines for finding low-cost auto insurance in East Providence, Rhode Island. Drivers in East Providence, Rhode Island, must compare the options and costs offered by different auto insurance companies.
By Obeying Driving Regulations
One of the best things you can do to reduce the cost of your auto insurance in East Providence, Rhode Island, is to follow all traffic laws. This includes avoiding exceeding the posted speed limit, refraining from using drugs or alcohol while driving, and refraining from texting. Your risk of being in an accident will be greatly reduced by adhering to these fundamental principles, and your insurance prices will reflect that. For instance, drivers in East Providence, Rhode Island, who received a ticket for speeding or running a red light must add an additional +$441 and +$420 to their insurance premiums.
See the graph below for the East Providence, RI, auto insurance rates per driving violation.
By Opting for a Higher Deductible.
When it comes to auto insurance, one of the best ways to save money is by opting for a higher deductible. By doing so, you can reduce your overall premium costs. In East Providence, RI, this can be a great way to save money on your car insurance. There are a few things to keep in mind when you are considering a higher deductible. First, you will want to make sure you can pay the higher deductible if you are in an accident. Second, you will want to ensure you are comfortable with the higher deductible amount. In East Providence, Rhode Island, drivers who opt for a low deductible of $500 pay $1,516, while those who opt for a high deductible of $1,000 pay $1,281. The higher the deductible, the lower the auto insurance rates..
By Availing of Multi-Car Discounts
When multiple vehicles are insured under the same policy, the insurance company can offer a discount because they can spread the risk among multiple cars. This means that the insurance company is less likely to have to pay out a large claim for one of the vehicles, and they can pass those savings on to the policyholder through a discount. Multi-car insurance discounts are especially beneficial for families with more than one vehicle. By insuring all of the family vehicles under one policy, the family can save a significant amount of money on their premium. On average, owners of two and three vehicles in East Providence, Rhode Island, spend $3,134 and $4,701, respectively. They can save $468 to $702 on their auto insurance in East Providence, Rhode Island.
Factors that can influence the cost of car insurance in East Providence, 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.
- East Providence, RI Auto Insurance Rates
- East Providence, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in East Providence, RI
- Multi Vehicle Insurance Savings in East Providence, RI
- How Credit Score Affects Car Insurance Rates in East Providence, RI
- How DUI Affects Auto Insurance Premiums in East Providence, RI
- Top Auto Insurance Agents Near East Providence, RI
- How Driving Violations Affect Auto Insurance Rates in East Providence, RI
- East Providence, RI Auto Insurance Discounts on Anti Theft Feature
- East Providence, RI Auto Insurance Company Reviews
East Providence, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in East Providence, RI with that of other cities in and around East Providence.
| East Providence | North Seekonk | Seekonk | Barrington | Providence | Pawtucket | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,801 | $2,104 | $1,295 | $2,328 | $2,129 | $1,918 |
East Providence, 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 East Providence, 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) |
|---|---|---|
| East Providence | $1,516 | $1,281 |
| Seekonk | $1,612 | $1,362 |
| Providence | $1,469 | $1,241 |
| Barrington | $1,937 | $1,636 |
| Pawtucket | $1,485 | $1,255 |
| North Seekonk | $1,558 | $1,316 |
| Central Falls | $1,275 | $1,077 |
| Rehoboth | $1,020 | $861 |
East Providence, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in East Providence, 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 | $5,844 |
| 20 Years | $2,314 |
| 30 Years | $1,782 |
| 40 Years | $1,715 |
| 50 Years | $1,588 |
| 60 Years | $1,610 |
| 70 Years | $1,874 |
East Providence, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in East Providence, 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 | $3,134 | $468 |
| 3 Vehicles | $4,701 | $702 |
| 4 Vehicles | $6,267 | $937 |
Savings on 2 Vehicles bundle:$468
Savings on 3 Vehicles bundle:$702
Savings on 4 Vehicles bundle:$937
East Providence, 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 East Providence, RI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| East Providence | $1,801 | $3,578 |
| Seekonk | $1,295 | $2,345 |
| Providence | $2,129 | $4,230 |
| Barrington | $2,328 | $4,626 |
| Pawtucket | $1,918 | $3,811 |
| North Seekonk | $2,104 | $3,810 |
| Central Falls | $2,100 | $4,173 |
| Rehoboth | $1,310 | $2,372 |
East Providence, 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) | $1,545 |
| Excellent (740-799) | $1,764 |
| Good (670-739) | $1,877 |
| Average (580-669) | $2,448 |
| Poor (300-579) | $2,938 |
East Providence, 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 |
|---|---|---|---|
| Smith Insurance Group Inc | Travelers | 664 Armistice Blvd, Pawtucket, 2861 | None |
| Smith Insurance Group Inc | Travelers | 664 Armistice Blvd, Pawtucket, 2861 | None |
| Aaa Insurance Agency Inc | None | 110 Royal Little Dr, Providence, 2904 | None |
| Butler & Messier Inc | Liberty Mutual Independent | 1401 NEWPORT AVE, Steward Sneed Hewes, 2861 | (401) 728-3200 |
| Cross Insurance | None | 1343 Hartford Ave , Johnston, 2919 | None |
| C & L Agency, Inc. | None | 242 Reservoir Ave, Providence, 2907 | None |
| J J Gilmartin & Son Agency Inc | Liberty Mutual Independent | 1293 POST RD, WARWICK, 2888 | 401-781-2100 |
| Nif Services Of New England, Inc. | None | 10 Jefferson Blvd, Warwick, 2888 | None |
East Providence, 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 | +$79 | $1,880 |
| Driver's Failure In Showing Documents | +$175 | $1,976 |
| Driving With An Expired Registration | +$186 | $1,987 |
| Driving At A Considerably Slow Pace | +$391 | $2,192 |
| Using A Cellphone While Driving | +$412 | $2,213 |
| Running A Red Light | +$420 | $2,221 |
| Speeding | +$441 | $2,242 |
| Driving A Vehicle Without The Required Permission | +$560 | $2,361 |
| Driving With An Expired/Suspended License | +$1,214 | $3,015 |
East Providence, 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 | $1,729 |
| Active Disabling Device | $1,729 |
| Tracking Device | $1,693 |
| Passive Disabling Device | $1,675 |
Latest Auto Insurance Reviews in East Providence, RI | Back to Top
AllstateI would recommend all state as you can see in my previous responses they have not let me down in any area and I would recommend them to anyone looking for car insurance, good service and a great policy!
AllstateAllstate offers a much lower price for even better coverage. When checking out companies, I found that most other companies were at least double the cost of Allstate.
Encompass InsuranceI dislike it when I go into the office and I don't get to work with the main agent. I feel bad for the other staff members who seem to do all of the work and get none of the credit.