Warwick, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Warwick, 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.
Car Insurance in Warwick, RI
The average cost of car insurance in Warwick, RI, is $1,699. In Warwick, RI, car insurance is a must for all drivers. It protects you, other drivers, and pedestrians in an accident and can help cover the costs of repairs, medical bills, and more. Everyone wants the best insurance, but they don't realize that by doing some research before purchasing car insurance in Warwick, Rhode Island, they can get better coverage at a lower cost. The amount you will pay each month for your auto insurance policy is determined by several factors used by auto insurance providers. Finding the best deal is simpler when you know their methodology. This article will provide an overview of car insurance in Warwick, RI, including three factors that affect the cost of car insurance in Warwick, RI.
1. Credit History
Credit history is one of the key elements that insurance companies consider when determining rates. Auto insurance costs are typically lower for drivers with good credit than those with bad credit. This is because a person's credit history is a reliable reflection of their general financial responsibility. People with good credit are more likely to be financially responsible in other areas of their life, including their driving, so insurance companies consider them less of a risk. For instance, bad credit can skyrocket auto insurance premiums in Warwick, RI. Car owners with exceptional credit scores have to pay $1,458, whereas car owners with poor credit scores have to pay $2,771 in Warwick, RI. Hence, the higher the credit score, the lower the auto insurance rates in Warwick, RI.
2. Age of the Driver
If you're over 30 and have a clean driving record, you're probably paying less for car insurance than your younger counterparts. But why is this? It's all about risk. Insurance companies base their rates on how likely you are to get into an accident, and younger drivers are statistically more likely to get into an accident than older drivers. So, they charge younger drivers more to offset the risk. For example, teenagers pay $5,513 on auto insurance in Warwick, RI, whereas old drivers aged 30 years pay $1,681. The bottom line is that your age is just one factor that insurers consider when setting your rates. To get the best possible rate, shopping around and comparing rates from multiple companies is essential.
3. A Clean Driving History
Clean driving history is one of the most critical factors in getting a reasonable car insurance rate. Insurance companies view drivers with a clean history as less risky than those with a history of accidents or moving violations. As a result, these drivers typically receive lower rates. Running a red light while driving or having an expired license, for instance, will increase the cost of car insurance in Warwick, RI, by +$396 and +$1,145, respectively. By avoiding accidents and traffic violations, drivers can keep their rates low and ensure they are getting the best possible value for their insurance.
Factors that can influence the cost of car insurance in Warwick, 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.
- Warwick, RI Auto Insurance Rates
- Warwick, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Warwick, RI
- Multi Vehicle Insurance Savings in Warwick, RI
- How Credit Score Affects Car Insurance Rates in Warwick, RI
- How DUI Affects Auto Insurance Premiums in Warwick, RI
- Top Auto Insurance Agents Near Warwick, RI
- How Driving Violations Affect Auto Insurance Rates in Warwick, RI
- Warwick, RI Auto Insurance Discounts on Anti Theft Feature
- Warwick, RI Auto Insurance Company Reviews
Warwick, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Warwick, RI with that of other cities in and around Warwick.
Warwick | Bristol County | East Providence | Barrington | Bristol | East Greenwich | |
---|---|---|---|---|---|---|
Average Insurance Rates | $1,699 | $1,560 | $1,801 | $2,328 | $2,253 | $2,349 |
Warwick, 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 Warwick, 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) |
---|---|---|
Warwick | $1,181 | $998 |
West Warwick | $1,561 | $1,319 |
Barrington | $1,937 | $1,636 |
Cranston | $1,057 | $893 |
East Greenwich | $1,891 | $1,597 |
Bristol County | $1,450 | $1,225 |
East Providence | $1,516 | $1,281 |
Bristol | $1,594 | $1,347 |
Warwick, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Warwick, 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 | $5,513 |
20 Years | $2,183 |
30 Years | $1,681 |
40 Years | $1,618 |
50 Years | $1,498 |
60 Years | $1,519 |
70 Years | $1,768 |
Warwick, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Warwick, 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 | $2,990 | $408 |
3 Vehicles | $4,485 | $612 |
4 Vehicles | $5,980 | $816 |
Savings on 2 Vehicles bundle:$408
Savings on 3 Vehicles bundle:$612
Savings on 4 Vehicles bundle:$816
Warwick, 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 Warwick, RI.
Location | Average Insurance Cost | Post DUI Insurance Rate |
---|---|---|
Warwick | $1,699 | $3,376 |
West Warwick | $2,131 | $4,234 |
Barrington | $2,328 | $4,626 |
Cranston | $2,164 | $4,300 |
East Greenwich | $2,349 | $4,667 |
Bristol County | $1,560 | $3,100 |
East Providence | $1,801 | $3,578 |
Bristol | $2,253 | $4,477 |
Warwick, 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) | $1,458 |
Excellent (740-799) | $1,664 |
Good (670-739) | $1,770 |
Average (580-669) | $2,310 |
Poor (300-579) | $2,771 |
Warwick, 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 |
---|---|---|---|
Affiliated Insurance Managers | Liberty Mutual Independent | 935 JEFFERSON BLVD SUITE 2001, WARWICK, 2886 | (401) 352-3000 |
Mogahed Ibrahim | Allstate | 780 Main St, East Greenwich, 2818 | (401) 352-4449 |
Kraunelis Insurance Agency, Llc | None | 195 Washington Rd, Barrington, 2806 | None |
Sacchetti Insurance Agency, Inc. | None | 845 Post Rd, Warwick, 2888 | None |
Quetta Insurance, Llc | None | 400 Resoervoir Ave Ste 2B, Providence, 2907 | None |
Wilson Insurance Agency, Inc. | None | 723 Atwells Ave, Providence, 2909 | None |
Revens-Gates Insurance Agency | Liberty Mutual Independent | 1130 TEN ROD RD STE E-201, NORTH KINGSTOWN, 2852 | 401-294-9537 |
Damiano Agency | Liberty Mutual Independent | 121 PHENIX AVE, CRANSTON, 2920 | (401) 946-6800 |
Auburn Insurance & Realty Co., Inc. | None | 1119 Reservoir Ave 1119 Reservoir Ave, Cranston, 2910 | None |
Warwick, 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 | +$75 | $1,774 |
Driver's Failure In Showing Documents | +$165 | $1,864 |
Driving With An Expired Registration | +$175 | $1,874 |
Driving At A Considerably Slow Pace | +$369 | $2,068 |
Using A Cellphone While Driving | +$389 | $2,088 |
Running A Red Light | +$396 | $2,095 |
Speeding | +$416 | $2,115 |
Driving A Vehicle Without The Required Permission | +$528 | $2,227 |
Driving With An Expired/Suspended License | +$1,145 | $2,844 |
Warwick, 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 | $1,631 |
Active Disabling Device | $1,631 |
Tracking Device | $1,597 |
Passive Disabling Device | $1,580 |
Latest Auto Insurance Reviews in Warwick, RI | Back to Top
The company provides a wide range of good customer service. They are very helpful to all and take very care about their products I like their service very much.
They offer road side assistance and they will come to you if you can not come to them when it comes to making a claim and getting the insurance check.
At this time, I am happy with Allstate Insurance customer service. I have not really had any contact with them, as usually my business is done over the internet.
I have been with Erie Insurance for my auto insurance for many years. It is an awesome customer service experience and the local agents are very ready to help you with any issues.
I would recommend them for car insurance because their rates seem reasonable and they are quick to communicate about claims.
My car insurance premium is about the same as other companies. My deductible is lower due to my car being financed, but the cost is reasonable.
I have a $1000 deductible which is kind of high, but it keeps the premiums affordable.
I have been a loyal customer for decades and have treated me bad. Please don't insure with them. They were nasty about a claim I made as they found a loop hole in the policy. Like I was trying to get by with something.
I have been a loyal customer for decades and have treated me bad. Please don't insure with them. They were nasty about a claim I made as they found a loop hole in the policy. Like I was trying to get by with something.
The main thing that I dislike is the road-side assistance program. I wish that they would be more clear as to the services offered.
The only thing I dislike is that they don't have a local office, so all interaction must be handled either by phone or online. So far, however, rather than the inconvenience, it's not caused a problem.
I like the overall reliability of the company and the premium prices. Like I said before I have not been able to find a better deal for the coverage I have. I've looked at numerous other spots and have not found a price that beats them.