Best cheap car insurance quotes in North Kingstown
Drivers in North Kingstown must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough.
Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.
Cheap minimum liability insurance quotes in North Kingstown
If you’re behind the wheel in North Kingstown, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.
Here’s a breakdown of Rhode Island’s
liability insurance minimums:
In most cases, drivers in Rhode Island must also have
uninsured motorist coverage, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.
With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving.
Finding affordable car insurance can be tricky—but Jerry is here to help.
North Kingstown, RI (Zip Code: 02852)
North Kingstown, RI (Zip Code: 02852)
Do you need more than minimum coverage in North Kingstown?
The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage.
If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.
The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in North Kingstown
If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage
car insurance is the way to go.
Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage.
Comprehensive coverage pays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage.
Collision coverage pays for damage that results from a collision with another car or stationary object, such as a tree or sign.
If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.
On top of a full-coverage policy, you can also purchase
uninsured motorist coverage to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.
Check out the table below for examples of how drivers in North Kingstown found affordable full-coverage insurance policies with Jerry.
Last Updated Sep 23, 2023
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.