Car insurance rates: RI vs. MA

[runawayjim]

My insurance doubled when I moved to PVD from BOS.

Can someone explain this.. You get your car registered, it is for 2 years.. You get insurance, for 6 months.. People register there car, pay insurance for six months, and drive 1.5 years with no insurance..

How does the state "fix" this? By charging the people who actually PAY their insurance a surcharge for uninsured drivers.. UGH>>

How about going to a year insurance, year registration policy hmm??? Rocket science? No..

[TheAnk]

you know... i don't think they checked my insurance when i renewed my registration either...

[urbie]

They don't..

By design? I don't think you even needed car insurance in RI a few years ago.. Or by idiotic government policy that can't put 2 and 2 together.. Or.. BOTH???

[Jerry2]

My premium dropped $495 per year just fo moving to EP.

[runawayjim]

my premium didn't change at all between north providence and providence. but when i moved from CT, it doubled.

[Cotuit]

I've lived in 4 states and always paid the same rate.

[runawayjim]

I've lived in 4 states and always paid the same rate.

[Cotuit]

[jencoleslaw]

i just dropped geico because my insurance tripled when i changed my address back to RI from VA. We instead went to the husband's insurance where it went down to a more reasonable rate.

[runawayjim]

i just dropped geico because my insurance tripled when i changed my address back to RI from VA. We instead went to the husband's insurance where it went down to a more reasonable rate.

[urbie]

I've lived in 4 states and always paid the same rate.

[brick]

That's weird! I've lived in MA, IL, AZ, and RI. MA/RI are ridiculous, as we all know; IL was incredibly cheap (even tho' we were near Chicago); and AZ was in between....

Urb

[Frankie811]

Cotuit doesn't own a car, hence his rate is always zero, nada, zilch.

[runawayjim]

There is an insurance that you can purchase which protects you if you drive someone elses car like a rental, but I forgot what they call it.

[jencoleslaw]

i've got geico, and i've probably said this before in this thread, but i've gotten quotes from several other companies, including one that i can get a group rate through work (or alternatively through my college alumni association) and the most savings i've found i'd get is $50 a year. it wasn't worth the hassle for me to switch since i've dealt with geico for accidents and other things and the superb customer service was worth the extra $50 per year.

[runawayjim]

i went from paying $650/6 months to paying 1190/6 months without EVER having had a moving vehicle violation, an accident or any kind of claim and i've been a customer for over 15 years AND i had my motorcycle insurance with them so i was getting some kind of discount. Now, we pay approx $750 for exactly the same coverage with Ben's insurance (USAA, which i think is only open to military, retired and family of military) with a lower deductable, and 24 hr roadside assistance.

Sorry, but i'm not paying the caveman's salary anymore!

[Recchia]

Mine's 1500/year full coverage, and I'm a 22 year old male. I have it so my address is North Kingstown but I remember when I lived in Pawtucket I got a quote and it was only going to be 1550/year.

[runawayjim]

Mine's 1500/year full coverage, and I'm a 22 year old male. I have it so my address is North Kingstown but I remember when I lived in Pawtucket I got a quote and it was only going to be 1550/year.

[Recchia]

I guess Progressive realizes that my car is a total POS and I won't be claiming any minor fender-benders thanks to my 'dent-resistant' side panels... And it's tough to get above 85mph in the thing.

[Frankie811]

Mine's 1500/year full coverage, and I'm a 22 year old male. I have it so my address is North Kingstown but I remember when I lived in Pawtucket I got a quote and it was only going to be 1550/year.

[runawayjim]

Thanks to my breathilizer refusal I pay $ 3,400/yr

[Frankie811]

[runawayjim]

Thanks Jim. Would you like to go out some night and join me for a drink? I'm driving.

[Recchia]

Someone actually got caught drunk driving in Providence? I'm shocked! Honestly I've never seen so many people drunk driving all weekend than in Providence.

[Frankie811]

Someone actually got caught drunk driving in Providence? I'm shocked! Honestly I've never seen so many people drunk driving all weekend than in Providence.