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East Providence started out as a series of land purchases from the Native Americans by European colonists during the mid-1600’s. In the centuries which followed, the town developed a series of libraries, cultural centers, and hotels in order to accommodate travelers passing through from nearby cities. Today, East Providence is undergoing a massive restoration project in order to revitalize its industrial, commercial, and residential sectors.
Driving legally in East Providence requires:
Coverage | Requirements | Most Common |
Liability Bodily Injury | 30,000/55,000 | 100,000/300,000 |
Liability Property Damage | 25,000 | 50,000 |
Bodily Injury - Motorist Uninsured | Required (see note above) | 100,000/300,000 |
Medical Payments | Not required | 5,000 |
Collision | Not required | 500 deductible |
Comprehensive | Not required | 250 deductible |
Keep in mind that these are requirements and suggestions. The actual level of coverage you may need will depend on additional elements, such as your vehicle, the age of your vehicle, and how much you have to spend on insurance each month.
There are some parts of Rhode Island where motorists can pay as high as $168 per month for auto insurance. But in East Providence, you can get your policy for as low as $74/mo*! We’ll show you how here in this article.
As you can see, Nationwide and Amica have some of the lowest rates around. But insurance isn’t all about premiums. Customer service is important, as well as the claims filing process. Make sure you do your research and find the company that’s right for you.
Auto insurance providers contemplate different elements when establishing insurance quotes, among them gender, zip code, type of vehicle owned, driving distance to work, and current insurance coverage and limits. Also keep in mind that premiums differ from carrier to carrier. To verify you’re still getting the cheapest fee, do a comparison of cheap East Providence auto insurance quotes via the internet.
There are multiple ways that your car insurance rate might be calculated. But not all of it is out of your control; there are actions you can take in order to impact what discounts you are eligible to get. Listed below are a few of these elements in greater detail:
Where you store your vehicle every night will probably have a major impact on your auto insurance rate. Generally, auto insurance cost less in rural areas merely because fewer vehicles indicate a reduced chance that you’ll get into a collision with another automobile. The populace of East Providence is 47,149 and the common household income is $48,126.
Going by the statistical data in the chart above, it appears as though significant accidents aren’t too common in East Providence. This is good news for multiple reasons, including the fact that low accident rates automatically lower Automobile insurance premiums.
Most insurance companies are worried about auto theft; this runs specifically true for drivers who reside in larger metropolitan areas. The larger the population, the greater the likelihood you will have to file an automobile burglary claim. As recently as 2013, there were 54 stolen cars in East Providence. Since thefts are less of a threat in your area, you might want to talk to your agent about how to lower costs on Comprehensive coverage.
Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. As this chart clearly demonstrates, having a poor credit score can almost double what you pay each month to remain insured.
Teenage motorists are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.
Low-risk drivers tend to have blemish-free (or nearly perfect) driving records, so insurance companies tend to charge them lower rates each month. If your record is less than perfect, you should ask your insurance agent about “accident forgiveness” discounts to see if you can save money. For more significant violations, however, your rates might go up immensely – or your provider may refuse to cover you all together.
Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart above, where you can see that carrying auto insurance on a luxury vehicle is immensely more expensive than with your typical sedan.
In addition to the elements already mentioned, keep these in mind:
For individual policies, marital status will only alter the cost of your policy by 2-3%, if at all. However, married couples can get big discounts by bundling their policies together. And if you have homeowner’s or renter’s insurance, you can save even more by bundling those, too.
No matter what sort of preconceived notions you may be harboring regarding gender and driving ability, the truth is that most insurance companies don’t know who is better at driving. That’s why some companies charge 2-3% more for males, and some charge less. Other progressive entities charge equal rates regardless of gender.
Depending on where you live in East Providence, general commute times can waver immensely, with an 18 to 21 minute commute being the most common. Just over 80% of citizens who live in East Providence prefer to use their own automobile in order to get around, while about 5-12% will most likely carpool.
Most people believe that if you drive more miles on an annual basis, you’ll be charged more for your insurance rates. While some companies might charge more, others don’t. The biggest factor revolves around what you use your vehicle for. If your car, truck, or SUV is used as a business vehicle, expect to pay about 10-15% more per month in premiums.
As is with most forms of insurance, the more coverage you purchase, the more you will pay in premiums each month. Also, keep in mind that higher deductibles will save you money on your monthly premium – however, it will be more expensive to get your vehicle fixed in the event of an accident.
Equal portions of residents have either earned a diploma or have not yet made it all the way through high school (29%), while an additional 12% have gone on to pursue a higher education in the form of a bachelor’s degree. Another thing they might have pursued without even knowing it is a lower rate on their auto insurance policy. Companies are offering highly-educated drivers discounts more and more frequently each year.
Within a short commuting distance of East Providence are multiple larger cities, such as Pawtucket and Providence, which house a great number of institutions for higher education. But if you are looking for something easily accessible within city limits, you have a few options. Both the Motor Technical Training Institute and the East Providence Area Career and Technical Center are junior colleges which will help prepare you for a lucrative career in less time than it takes to graduate from a major university.
Sadly, for a good number of insurance agencies, an ordinary internet search could reveal so many of their business mysteries. But even having the best facts, it can still be problematic for you as an individual to determine your risk user profile and get the cheapest insurance. Be sure you perform your due diligence before you commit to your next automobile insurance policy.
Sources:
Rhode Island Department of Business Regulation – Insurance Regulation
Rhode Island Department of Business Regulation – Division of Banking – Banks/Financial Institutions
Department of Highway Safety and Motor Vehicles
Compare rates today and save hundreds on your following insurance bill.