Cheapest Car Insurance Quotes for a School Permit in Rhode Island

This would be a quick read if we could just tell you the single best company that has the best insurance prices in Rhode Island. It’s not that easy, however, as there are a ton of unknown elements like how many years you have been driving, the amount of liability insurance you need, and if you are married or single. This article will discuss the best ways to find cheap auto insurance and also should give you a good start in finding the cheapest insurance in Rhode Island.

Deciphering which companies offer the most affordable car insurance rates for a school permit will involve more time than just comparing a company or two.

Each insurer has their own formula to set policy rates, so let’s examine the car insurance companies with the overall best prices in Rhode Island.

Best Car Insurance Prices for Students

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USAA quotes some of the lowest car insurance rates in Rhode Island at around $726 a year. State Farm, Travelers, Amica, and Progressive also are some of the lowest-priced Rhode Island auto insurance companies.

In the above rates, if you currently buy coverage from Travelers and switched to USAA, you might realize yearly savings of around $483. Policyholders with Amica may save as much as $786 a year, and Progressive insureds might realize rate reductions of up to $818 a year.

These policy prices are averaged across all ages of drivers and types of vehicles and are not factoring in a price surcharge for a school permit. So the car insurance company that can offer you the best rate may not even be in the list above. That illustrates why you need to get rate quotes using your own specific driver and vehicle information.

The type of vehicle you are insuring is one of the primary factors that determines the availablility of the cheapest auto insurance for a school permit in Rhode Island. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost much more to insure than more modest models.

The table below features insurance prices for a selection of the cheapest vehicles to insure.

Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can modify prices considerably.

Looking at the data, we can infer that models like the Hyundai Elantra, Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius will definitely be some of the less-costly vehicles to insure for a learners permit. Car insurance rates will tend to be more expensive because there is more liability exposure for a school permit, but in general those models will tend to have the cheapest car insurance rates compared to other types of vehicles.

One of the many criteria that aid in calculating the annual cost of car insurance is your zip code in Rhode Island. More densely populated places like Providence, Pawtucket, and Central Falls tend to have more expensive auto insurance rates, whereas less populated areas generally benefit from lower insurance rates.

The information below illustrates the most expensive places in Rhode Island for a school permit to buy car insurance in.

Table data uses comparative as the vehicle garaging location can influence prices significantly.

Discount Rhode Island car insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-school-permit-ri.jpg" alt="Cheaper Rhode Island car insurance for a learners permit”/>Insurers that provide the cheapest auto insurance for a school permit in Rhode Island may also give you premium discounts that can reduce rates by as much as 40% or more if you qualify. Large car insurance companies and some of the discounts can be read below.

• State Farm may offer discounts for anti-theft, defensive driving training, good driver, multiple autos, and safe vehicle.
• GEICO includes discounts for multi-policy, good student, anti-lock brakes, anti-theft, air bags, and daytime running lights.
• Liberty Mutual may include discounts for preferred payment discount, multi-car, good student, new vehicle discount, and new graduate.
• The Hartford has savings for anti-theft, bundle, air bag, vehicle fuel type, good student, and defensive driver.
• MetLife offers discounts including good driver, claim-free, defensive driver, multi-policy, good student, accident-free
• Progressive offers premium reductions for multi-policy, homeowner, continuous coverage, online signing, and multi-vehicle.

The illustration below shows the difference between insurance premiums with and without discounts applied. The costs are based on a female driver, no accidents or driving violations, Rhode Island state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, paperless filing, paid-in-full, good student, passive restraint, and continuous coverage discounts applied. With discounts applied, the the amount saved on car insurance for a school permit is 28% or $653.

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Bad driving habits will cost you more

The recommended way to enjoy the most affordable car insurance rates in Rhode Island for a learners permit is to pay attention while driving and not have accidents or get tickets. The diagram below demonstrates how citations and at-fault fender-benders can raise car insurance costs for different age categories. The rate quotes are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3481,4251,5023],[‘Age 30’, 1833,2605,3375],[‘Age 40’, 1759,2529,3299],[‘Age 50’, 1607,2379,3149],[‘Age 60’, 1575,2351,3119],[‘Age 70’, 1807,2577,3349]]);var options = {title: ‘Effect of Tickets and Claims on Rhode Island Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Rhode Island’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy in Rhode Island per year with no violations or accidents is $2,010. Get written up for two speeding tickets and the average cost swells to $2,782, an increase of $772 each year. Now get one accident along with the two speeding tickets and the yearly cost of car insurance for a school permit goes up to an average of $3,552. That’s an increase of $1,542, or $129 per month, just for not keeping your driving record clean!

Progressive, Allstate, State Farm, or Geico: Who is best?

If you are shopping around for auto insurance for a learners permit in Rhode Island, the first places to look would be Progressive, Allstate, State Farm, and Geico. If you put them all together, they insure almost half of the car insurance market in the United States. The table below rates some of the different options and features shoppers can expect to find with each one.