Auto Insurance in Cranston, RI
Auto insurance may help provide crucial financial protection after an accident or incident that damages your vehicle or causes injuries. Contact the agents at Gaulin Insurance in Cranston, Rhode Island, to learn more about your car insurance options.
What Auto Insurance Is Required By Law?
Rhode Island drivers must carry the following coverages:
- Bodily injury liability may help pay third-party claims of accident-related bodily injuries.
- Property damage liability may help pay third-party claims of accident-related property damage.
Rhode Island laws require the insurer to provide uninsured/underinsured motorist insurance in an amount equal to your other liability limits. This coverage may help cover injuries sustained by you and your passengers caused by a hit-and-run accident or a driver without property liability coverage. You can decline this coverage if you choose to purchase only the required minimum amounts of bodily injury and property damage coverage.
Medical payments (MedPay) coverage is optional. Still, your agent may recommend purchasing this coverage, which may help pay for medical and funeral expenses for you, your passengers and your family after a covered accident. This coverage works regardless of who caused the accident and can help provide valuable financial protection.
If you finance or lease vehicles, your lienholder may require full coverage insurance to help protect the financed vehicle, which may include the following:
- Collision insurance may help pay to repair or replace your vehicle after an accident with another vehicle or if you hit a stationary object.
- Comprehensive insurance may help pay to repair or replace your vehicle if it sustains damage in a non-collision-related incident such as a storm, fire, theft or vandalism.
- Guaranteed asset protection (GAP) coverage may help pay off your loan or lease if your insurer’s settlement isn’t enough to do so when your car is a total loss after a covered accident or incident. Lenders and auto dealers may offer GAP coverage, but it may be less expensive if you add it to your auto policy.
Depending on your circumstances, your agent may recommend that you also purchase the following optional endorsements and policies:
- Auto glass coverage
- Towing and labor coverage
- Rental reimbursement coverage
- Replacement cost (RC) insurance
How Auto Insurance Deductibles Work
Your auto insurance deductible is the amount you pay upfront before your insurance kicks in to help cover your damages after certain claims, such as a collision, comprehensive or GAP claim.
Auto insurance deductibles are typically $250, $500 or $1,000. Some insurers may provide more options for deductible amounts; your agent can help you determine an appropriate deductible.
How to Get Car Insurance In Rhode Island
Contact Gaulin Insurance today to start building your customized auto insurance plan and get a personalized quote.