High Risk Auto Insurance in Rhode Island


Rhode Island state

According to the Rhode Island Department of Health, someone is injured in a car crash every 10 seconds in the U.S. These accidents are often accompanied with vehicle damage or bodily injuries that typically need to be paid by someone, and usually this includes a motorist’s coverage provider. For this reason, RI residents with poor driving records or greater chances of being involved in an accident in the future typically encounter higher rates to offset the person’s risks. There are a number of reasons why a resident would be considered at a greater risk than others, but with sufficient research an RI vehicle owner may still be able to find adequate coverage to meet the Ocean State’s minimum vehicle coverage requirements.

When RI insurers set premiums they typically place drivers into specific groups based on their likelihood of being involved in an accident. This generally includes people in the Preferred, Standard, and Nonstandard Market. Residents in the Nonstandard Market looking for Rhode Island auto insurance may have a difficult time finding affordable coverage because of poor driving records, frequent citations or simply because of a lack of experience. Shopping around online for quotes, however, could help these motorists find a company willing to provide an adequately priced plan. Viewing a wide range of estimates can help give drivers options, and some insurers specifically target vehicle owners in the Ocean State in the Nonstandard Market.

RI Residents In Need of High Risk Auto Insurance

Motorists in Rhode Island can be considered high risk drivers for a number of reasons. While driving records are a major contributor, motorists can also be placed into this category for having a lack of experience or for being a certain age. The Centers for Disease Control and Prevention estimates that teenagers are more likely to take unnecessary risks while behind the wheel than all other age groups. They are also statistically more likely to drive without seat belts, speed and be involved in accidents. Insurers often take these statistics into account when determining premiums and typically quote younger and inexperienced motorists at higher rates.

Because of Drunk Driving Health Risks and statistics surrounding motorists who drink and drive, receiving a DUI while traveling across Rhode Island’s 6,000 plus miles of public roads is a sure way to become a higher-risk motorist. In the Ocean State, the RI Department of Health estimates that roughly 51 percent of motor vehicle fatalities involved alcohol in 2009. Following basic traffic laws and maintaining a clean record for at least three years can help keep residents out of the Nonstandard Market and find less expensive premiums. Residents at a high risk level are still encouraged to shop around online and compare quotes in hopes of finding affordable coverage.

Source: http://www.onlineautoinsurance.com/rhode-island/

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