Auto Insurance 101: What Every Driver Needs to Know

Auto insurance is a crucial aspect of responsible vehicle ownership. Understanding the coverage types and factors that affect premiums can be overwhelming. Here is a comprehensive overview of auto insurance basics in South Kingstown, RI.

Types of Coverage

There are several types of auto insurance coverage, including:

  • Liability

  • Collision

  • Comprehensive

Liability insurance is mandatory in South Kingstown, RI and covers damages and injuries you may cause to others in an accident. Collision coverage pays for repairs or vehicle replacement if you are at fault in an accident. Comprehensive coverage protects your vehicle against theft, vandalism, and other non-collision incidents. Personal injury protection covers medical expenses and lost wages for you and your passengers after an accident.

The Importance of Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UM/UIM) coverage protects you and your passengers if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough to cover the damage and injuries they caused. It can also protect you if you are involved in a hit-and-run accident.

Without UM/UIM coverage, you could be left paying for the damages and injuries out of pocket, which can be costly and financially devastating. It’s important to consider adding UM/UIM coverage to your auto insurance policy to protect yourself and your passengers.

Finding the Right Policy

To find the right auto insurance policy, consider your budget, coverage needs, and deductible. Compare quotes from different insurance companies to find the best value. Ask about discounts, such as safe driver discounts, which can help reduce premiums. Work with an insurance agent to guide you through the process.

Kingston Insurance Agency LLC Is Here To Help!

Auto insurance is a critical aspect of responsible vehicle ownership. By understanding the basics of coverage and factors that affect premiums, drivers can make informed decisions when choosing a policy. Contact Kingston Insurance Agency LLC for personalized insurance quotes and expert advice.

What Discounts can be Used to Determine Your Auto Insurance Cost?

Discounts on your auto insurance policy may help you have a lower premium cost. Below are some possible discount options that you may qualify for. Consult with your agent at Kingston Insurance Agency LLC in South Kingstown, RI for more information. 

What Discounts Can Be Used To Determine Your Auto Insurance Cost? 

Multiple Vehicle Policy Discounts 

If you have more than one vehicle on an auto insurance policy, you can get a lower rate. 

Driver Education discount

If you take a certified driver training course, you can get a policy discount. 

Student discount

If you or a family member is a student with a B grade point average or better, you can qualify for a policy discount.

Safety Device discount

If your automobile has safety devices that can prevent auto accidents or limit the damage from them, you can get a discount. These types of devices include automatic seat belts, airbags, and anti-lock brakes.

Low Mileage discount

If the distance you drive is lower, the chance that you will be in an auto accident is lower. Fewer miles can mean a lower premium cost, too.

Good Diver discount 

A good driver can get a discount for being in fewer accidents and having fewer problems that could lead to one.

Auto and Home discount

Your insurance company may give you a discount if you get your homeowner’s insurance and your auto insurance policy from them.

Anti-theft Device discount

If you have an anti-theft device installed on your vehicle, you can qualify for a discount. 

Membership discount

If you or a household member have a membership to an organization, this may help you get a discount.

Contact Us Today

Call us today t at Kingston Insurance Agency LLC serving South Kingstown, RI for expert insurance advice.

Comprehensive Auto Insurance

Comprehensive auto insurance covers vehicle damage not caused in an accident. Coverage includes damage caused by fire, theft, weather, and vandalism; however, it does not cover damage caused by hitting another vehicle or object, nor does it cover bodily injury. Those in South Kingstown, RI should speak to an insurance agent at Kingston Insurance Agency LLC to discuss comprehensive auto insurance options and learn more about what is covered. 

What Does Comprehensive Auto Insurance Cover? 

Damage caused to your vehicle by an event other than an accident is covered under your comprehensive auto insurance. Events covered by your comprehensive auto insurance include fire, theft, acts of nature (hurricane, flood, hail, tornado), falling debris (tree limbs), animal damage (hitting a deer), and windshield and glass damage. This insurance coverage does not pay for bodily injury, damage to another vehicle, rollover accidents, or damage caused by hitting a stationary object. 

Does Comprehensive Auto Insurance Have a Deductible? 

Comprehensive auto insurance coverage does have a deductible, which is the amount you selected when purchasing the policy. Ultimately, higher deductibles mean lower rates but more out-of-pocket expenses when filing a claim. 

Do I Need Comprehensive Auto Insurance Coverage? 

State requirements do not call for comprehensive insurance coverage as a minimum requirement. However, it is generally a good idea to purchase this coverage for your vehicles and your protection. If you drive your vehicle often, have an expensive car, or live in a high-risk area with theft or natural disasters, comprehensive auto coverage may be a great purchase. Additionally, many lenders require comprehensive auto insurance during the length of your auto loan. 

Protect yourself in the event of an unexpected event, such as a storm, fire, or theft, by purchasing comprehensive auto insurance coverage in South Kingstown, RI. For additional help or information about comprehensive insurance coverage, call Kingston Insurance Agency LLC today.