If you are a high-risk driving resident of Rhode Island, you will probably need to apply for the Rhode Island Auto Insurance Plan. This plan was developed in an effort to insure all Rhode Island drivers are properly insured to the state’s reasonable auto insurance minimum standards. The insurance policy provides coverage to residents who meet certain minimum levels of driving experience and are in compliance with all applicable laws, ordinances, and requirements.
There are three levels of insurance coverage for the most common types of vehicles. The first level is general liability coverage. This type of insurance is provided by a local, regional, or nationwide provider. General liability coverage covers liability for injuries to others that are not the insured’s fault.
The second level of coverage provides comprehensive coverage. Comprehensive coverage, which is often referred to as collision coverage, can be used to pay for repairs to your vehicle if it is in an accident. The coverage will also pay to replace parts of your car that were damaged in an accident.
The third level of coverage provides personal injury coverage. Personal injury coverage will cover medical expenses, pain and suffering, property damage, and lost wages if you are involved in an accident with another driver or a pedestrian. Most companies require drivers to carry this level of coverage and it will be listed on your policy. You will not be eligible for any discounts or benefits if you do not carry this type of insurance.
These three levels of insurance coverage are considered “essential” because they are designed to help protect you if you are sued for injury or damages. Without this insurance, you would be at risk of being unable to afford your medical bills and property damages in a lawsuit. Even if you have no prior legal problems and no history of being sued, this type of coverage is still very important to be considered.
A Rhode Island auto insurance plan will provide the following benefits for people who are considered “high-risk” drivers. If you have had several traffic citations or tickets or a history of having a moving violation, you will likely be asked to submit to a credit check, a criminal background check, and a test in front of a judge before you are granted a Rhode Island auto insurance policy.
A high-risk policy does not always mean you will be required to pay more than the bare minimum amount for your Rhode Island automobile insurance plan. In fact, some policies will offer a discount if you make a good payment record and maintain a good driving record. Also, it is important to remember that many insurance providers offer special plans for the first time or young drivers with good credit and no tickets and/or moving violations.
In the end, if you are a high risk driver, you should always check out what additional coverage your insurance provider may offer. The Rhode Island automobile insurance plan is designed to provide protection to you and your vehicle.
For example, if you have an older car or if you are a teenager, it may be difficult to get car insurance that meets your needs. If you have a credit card or if you take part in unsafe activities such as running red lights and driving under the influence, your insurance rates may be very high.
In many cases, your car insurance rates are based on the type of car you drive and the year, make, and model of your vehicle. If you are considering purchasing a new or a used car in the near future, you should consider getting a Rhode Island auto insurance plan. Newer cars have higher insurance premiums.
New car buyers may find that their insurance companies offer better deals to younger, more experienced, and high risk drivers than to more experienced drivers. These drivers will likely also benefit from the added convenience and security that come with online auto insurance quotes. When you compare quotes online, you can compare policies from multiple insurance companies without leaving your home.
Getting insurance quotes online is very convenient. In just a few minutes, you can request multiple quotes from several different insurance companies. Simply enter your information once, and the quotes will be delivered directly to you.