How to Save on Car Insurance in Rhode Island

Compared to other states, Rhode Island’s car insurance rates are high. Urban population density and uninsured driver rates both contribute to this. Below are some tips on ways you could potentially save on your car insurance in Rhode Island.

Comparing Car Insurance Quotes for Rhode Island 

One way to save on car insurance is by comparing quotes from different companies. Researching different insurance companies and submitting your information for a quote can be a time consuming process. Also, without careful understanding of the plan types, you could end up comparing plans that offer different coverages. This is where working with an independent insurance agent can be beneficial. When you work with an independent insurance agent, they can compare insurance quotes from multiple insurance carriers. Here at Cross Insurance, we work with over 100 insurance carriers to give you options. Our local team in Rhode Island can help to find insurance options for your car. Request a quote today by filling out our form here, or by giving us a call.

A car parked on the street in downtown Providence Rhode Island

Bundle and Save on Your Rhode Island Policies 

If you are looking to save further on your insurance policies, talk with one of our agents about bundling. We offer auto and home packaging options which could save you money on your homeowners insurance as well.

In addition to auto insurance, we also offer multi-policy discount options with the following coverages:

If you are recently married, combining your auto insurance with your spouse’s may get you a lower rate.

Pay Your Bill in Full 

Do you currently pay monthly for your car insurance? You could be missing out on a discount for paying in full. Check with your local insurance agent to see if your current carrier offers a discount for paying in full.

Discounts for Staying with the Same Company 

If you have stayed with the same insurance carrier for more than six months, ask your insurance agent about a continuous coverage insurance discount. Depending on the company, the longer that you have been insured with them, the more you could save.
a paper form to apply for auto insurance

Credit Scores and Auto Insurance in Rhode Island 

According to, a Rhode Island driver with an excellent credit score could pay an average of $350 less than a driver with a good credit score. Insurance carriers will frequently use a credit check during the quoting process, except for the states where it is not allowed. If your auto insurance rate is higher than you would like it to be, take a look at your credit score and see if that could be the issue.

Can You Lower Your Car Insurance After a Speeding Ticket in Rhode Island? 

Receiving a speeding ticket can have a huge impact on your car insurance premium. Generally, speeding tickets stay on your record for a period of 3 years, during which time you could pay a higher insurance premium. If you recently received a speeding ticket in Rhode Island, you may consider getting quotes from different insurance carriers. The percentage increase for receiving a speeding ticket can vary from carrier to carrier.

Other Ways to Save on Your Rhode Island Car Insurance 

When you work with an insurance agent, you can ask about discounts that may be available that you might not know exist. For example, your job may get you a discount. It may come as a bit of a surprise, but some insurance companies offer discounted rates for certain occupations. If you are a teacher, first responder, or medical professional, some carriers may offer discounted rates for you. Many carriers also offer military discounts for active-duty members as well as retired military members, as well as their immediate family. Discounts can vary, and some carriers may not advertise offers on their website, so asking your insurance agent about potential discounts that may be available to you is a smart choice. Owning a home could also qualify you for a discount on your auto insurance, even if it is not insured through the same company.
A woman sitting next to a couch doing research on a tablet device

Do Your Research Before You Buy 

If you are thinking about purchasing a new vehicle, be proactive and get a rate for what the insurance may run. Vehicles with high list prices generally have higher insurance premiums. Doing some research beforehand on what models cost more to insure can save you a significant amount down the road.

Other Insurance Coverages in Rhode Island 

Our local insurance agency in East Providence insures more than just cars. Contact us today for homeowners, renters, boat, or RV insurance. We also offer commercial coverages for businesses of many sizes. If you are a business owner looking for commercial auto, workers’ comp, general liability, or other commercial coverage, we would be happy to help. Give us a call or fill out our form here.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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