Auto Insurance in Providence, RI

Auto insurance is a fundamental protection for all Rhode Island drivers. This type of insurance can help cover you financially after a car accident. Without sufficient coverage, you may have to pay for car accident costs out of pocket, which could lead to a significant financial burden.

What is auto insurance?

Commonly referred to as car insurance, auto insurance can help protect your finances after a car accident or other incident involving your vehicle. Specific coverage inclusions can vary depending on the insurer and selected options.

What does auto insurance cover?

While coverage specifics can vary, in many cases, car insurance policies offer financial protection in the following ways:

• Liability coverage can help pay for damage you cause to others or their property with your vehicle.
• Physical damage coverage, including collision and comprehensive coverage, may help pay for damage to your own car.
• Uninsured motorist/underinsured motorist coverage may help pay for your losses if you’re hit by a driver with insufficient or no car insurance.
• Full coverage auto insurance may generally describe the most robust protection offered by an insurer, typically including liability and physical damage coverage, among others.

How much auto insurance do I need?

When evaluating how much car insurance to get, numerous personal factors must be considered. All Rhode Island drivers must prove financial responsibility; most people satisfy this requirement by retaining minimum liability car insurance.

However, minimum liability coverage may be insufficient for many drivers, as this covers only damage you cause to others and won’t financially protect your own vehicle. Moreover, minimum coverage levels may not be enough to cover a serious accident you cause. Drivers often consider increasing their liability limits and adding additional coverage, such as physical damage insurance, to help ensure greater financial protection.

Additionally, if you lease your vehicle or have an auto loan, your lender may stipulate certain levels of insurance. Discuss your unique circumstances with your Lefebvre Insurance Agency, Inc. representative for coverage recommendations. Contact us today.