Westerly, RI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Westerly, 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.
An Overview of Car Insurance in Westerly
Westerly is a small town in Rhode Island with a big heart that offers a vibrant downtown scene full of shopping, delicious restaurants, beautiful beaches, trendy bars, and more. With so much to explore, Rhode Island requires residents to carry what's known as "full coverage," which includes personal injury protection (PIP) and property damage liability (PDL). Bodily injury liability coverage provides protection for bodily injury you may cause to the passengers and other motorists if you are found at fault for an accident. Property damage liability coverage provides protection for damage you may cause to the other party's car due to an accident.
In Westerly, Rhode Island, coverage requirement limits are:
a. Bodily Injury Liability per person - $25,000
b. Bodily Injury Liability per accident - $50,000
c. Property Damage Liability per accident - $25,000
The average cost of car insurance in Westerly, RI, is $2,223. It is lower when compared to neighboring cities like Weekapaug, Quonochontaug, and Charlestown. This is because car insurance rates may differ from person to person.
Here are some tips to reduce your car insurance rates in Westerly, RI.
a. By obeying driving regulations
Car owners can save money by obeying traffic laws and maintaining a clean driving record. Westerly car owners with a history of speeding tickets, accidents, running a red light, or DUIs have to pay more expensive premiums on car insurance as insurance providers consider them high-risk drivers.
The severity of the driving violation will decide the car insurance rates in Westerly, RI. For instance, car drivers penalized for driving with an expired registration or using a mobile phone while driving have to pay +$229 and +$509 extra on the total insurance cost.
Refer to the graph below to understand the car insurance rates per driving violation.
b. By maintaining clean driving history
Driving record is considered an essential factor while determining the car insurance rate in Westerly, RI. Car insurance in Westerly, RI, can be moderately high for the auto owners involved in multiple accidents. Therefore, it is crucial to keep a clean driving record.
For instance, auto owners found guilty of DUI (Driving Under Influence) will be charged a higher premium. Rash driving, possession of drugs or alcohol, the offense of driving, or any regulation that violates driving rules comes under DUI. The auto insurance rate in Westerly, RI, Post DUI will be $4,417.
c. By availing of multi-car discounts
The car insurance policy in Westerly offers multi-car discounts. Here, the holder can add more cars to their policy with the same provider and get a multi-car discount. This is a useful way to reduce car insurance rates in Westerly, RI.
For instance, car owners in Westerly pay $3,868 on two vehicles and $5,802 on three vehicles. Here they can save up to $578 and $867, respectively, on auto insurance rates.
Factors that can influence the cost of car insurance in Westerly, 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.
- Westerly, RI Auto Insurance Rates
- Westerly, RI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Westerly, RI
- Multi Vehicle Insurance Savings in Westerly, RI
- How Credit Score Affects Car Insurance Rates in Westerly, RI
- How DUI Affects Auto Insurance Premiums in Westerly, RI
- Top Auto Insurance Agents Near Westerly, RI
- How Driving Violations Affect Auto Insurance Rates in Westerly, RI
- Westerly, RI Auto Insurance Discounts on Anti Theft Feature
- Westerly, RI Auto Insurance Company Reviews
Westerly, RI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Westerly, RI with that of other cities in and around Westerly.
| Westerly | Weekapaug | Quonochontaug | Bradford | Pawcatuck | Charlestown | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,223 | $2,631 | $2,671 | $2,170 | $1,573 | $2,241 |
Westerly, 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 Westerly, 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) |
|---|---|---|
| Westerly | $1,519 | $1,283 |
| Weekapaug | $1,828 | $1,544 |
| Misquamicut | $1,527 | $1,290 |
| Watch Hill | $2,160 | $1,824 |
| Quonochontaug | $1,733 | $1,464 |
| Bradford | $1,860 | $1,571 |
| Pawcatuck | $1,254 | $1,059 |
| Charlestown | $1,883 | $1,590 |
Westerly, RI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Westerly, 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 | $7,213 |
| 20 Years | $2,856 |
| 30 Years | $2,200 |
| 40 Years | $2,117 |
| 50 Years | $1,960 |
| 60 Years | $1,987 |
| 70 Years | $2,313 |
Westerly, RI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Westerly, 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 | $3,868 | $578 |
| 3 Vehicles | $5,802 | $867 |
| 4 Vehicles | $7,736 | $1,156 |
Savings on 2 Vehicles bundle:$578
Savings on 3 Vehicles bundle:$867
Savings on 4 Vehicles bundle:$1,156
Westerly, 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 Westerly, RI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Westerly | $2,223 | $4,417 |
| Weekapaug | $2,631 | $5,228 |
| Misquamicut | $2,417 | $4,802 |
| Watch Hill | $2,106 | $4,184 |
| Quonochontaug | $2,671 | $5,307 |
| Bradford | $2,170 | $4,312 |
| Pawcatuck | $1,573 | $2,962 |
| Charlestown | $2,241 | $4,453 |
Westerly, 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) | $1,907 |
| Excellent (740-799) | $2,177 |
| Good (670-739) | $2,316 |
| Average (580-669) | $3,022 |
| Poor (300-579) | $3,626 |
Westerly, 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 |
|---|---|---|---|
| Stephen Neri | Allstate | 105 Franklin St, Westerly, 2891 | (401) 596-7770 |
| Schonning Insurance | Liberty Mutual Independent | 90 AIRPORT ROAD, WESTERLY, 2891 | 401-348-2000 |
| John Conti Insurance | None | 35 Crestview Dr, Westerly, 2891 | (401) 622-1569 |
| Thorp & Trainer, Inc. | None | 107 Airport Rd, Westerly, 2891 | None |
| Mansfield Insurance Agency Inc | Liberty Mutual Independent | 115 High Street, Westerly, 2891 | None |
| Trusted Insurance Alliance | Liberty Mutual Independent | 279 Dexter St, PAWTUCKET, 2860 | (401) 723-8510 |
| Barton Insurance Group Inc | Liberty Mutual Independent | 407 Pontiac Ave, Cranston, 2910 | None |
| Naughton Insurance Inc | Travelers | 1365 WAMPANOAG TRAIL, E PROVIDENCE, 2915 | 401-433-4000 |
| Naughton Insurance Inc | Travelers | 1365 WAMPANOAG TRAIL, E PROVIDENCE, 2915 | 401-433-4000 |
Westerly, 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 | +$98 | $2,321 |
| Driver's Failure In Showing Documents | +$216 | $2,439 |
| Driving With An Expired Registration | +$229 | $2,452 |
| Driving At A Considerably Slow Pace | +$482 | $2,705 |
| Using A Cellphone While Driving | +$509 | $2,732 |
| Running A Red Light | +$518 | $2,741 |
| Speeding | +$545 | $2,768 |
| Driving A Vehicle Without The Required Permission | +$691 | $2,914 |
| Driving With An Expired/Suspended License | +$1,498 | $3,721 |
Westerly, 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 | $2,134 |
| Active Disabling Device | $2,134 |
| Tracking Device | $2,090 |
| Passive Disabling Device | $2,067 |
Latest Auto Insurance Reviews in Westerly, RI | Back to Top
AllstateAllstate has treated us like family since we started out policy with them. They have helped us find great discounts, they have heped us change our premiums and been there as much as possible through all our concerns. Great company.
Erie InsuranceI think they are nice and respond back thru email. they should reach out more with incentives and, maybe help people with what to do if they are needed