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Capalbo Insurance Group, LLC

49 S County Commons Way F-3F
South Kingstown, RI 02879

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Featured Insurance Blog

Why basic auto insurance may not be the right choice

Like most states, Rhode Island has a mandate about what type and amount of auto insurance you must have, at a minimum, to be legal to drive on the roads in the state.  At Capalbo Insurance Group LLC in South Kingstown, RI, we take our responsibility to our customers seriously. We make sure the auto insurance you have fits your needs and gives you adequate protection. 

Basic auto insurance in Rhode Island

Basic auto insurance in Rhode Island is 25/50/25. This is all liability coverage, and it protects other drivers from you in an accident. It provides $25,000 for injuries to one person, $50,000 for all injuries in an accident, and $25,000 for personal property. 

Why basic insurance might not be the right choice?

If you have an auto loan or are leasing a vehicle, you will not be able to get away with having basic auto insurance. The bank or the leasing company will require that you have complete auto insurance coverage to protect your vehicle. But what about if you don’t have a loan or a lease? Is basic insurance the right choice?

If you have an older vehicle with little value or you have access to another vehicle, then basic auto insurance is right for you. For the rest of us who count on our vehicle every day to get to work, take the kids to school, go shopping, and to the doctor, protecting our vehicle is vital. 

Beyond Basic

Collision coverage covers your vehicle when you are at fault in an accident. Comprehensive coverage provides protection from theft, vandalism, and many things that can cause damage. If you need your vehicle every day, you need this coverage to protect it. 

Consult With Us

Contact Capalbo Insurance Group LLC in South Kingstown, RI when you are ready to discuss auto insurance. We are here for you when you need us. 

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