3 Tips for Buying Auto Insurance in Warwick RI

When you own a car in Warwick, RI, you need auto insurance. First of all, it’s mandatory to have the minimum to register your car (although we recommend full coverage), however, if you have an auto loan on your vehicle the bank will require full coverage to protect their investment. If you’re buying auto insurance for the first time or want to upgrade or renew a policy, our team at The Slocum Agency Inc. has put together a list of three tips to help you get started. Read on to learn more.

1. Work with a Reputable Agent

When you go off into the world to buy auto insurance, you’ll want a reputable insurance agent by your side. Our agents are friendly and available to answer all your questions and concerns. They’ll ask you a few questions to determine what kind of policies you need to look at and then help guide you in making a decision. But there’s no rush. Take as much time as you need.

2. Compare Insurance Quotes

It’s always a good idea to compare two or more auto insurance quotes to make sure you’re choosing the right policy. Your reputable agent can assist you in going over each policy in detail, comparing cost and coverage. Once you’ve chosen a policy, you can move on to the next step.

3. Bundle Your Auto Insurance Policy

Chances are you already have one or more insurance policies, such as life or home. For savings on your premiums, consider bundling all your policies under one insurance carrier. This is an easy way to save. Also, ask your reputable agent about other ways you can save on auto insurance.

To learn more about purchasing an auto insurance policy in Warwick, RI, contact the team The Slocum Agency Inc., serving this area, today. 

Three things to know about auto and motorcycle insurance in Rhode Island

States can differ significantly in terms of their requirements, offerings, and costs for auto and motorcycle insurance. If you are looking for auto or motorcycle insurance in Warwick, RI, it’s a good idea to familiarize yourself with your state’s requirements for coverage. We can provide you with information on auto and motorcycle insurance policies at The Slocum Agency Inc.

The following are three things to know about auto and motorcycle insurance in Rhode Island.

You’re required to carry bodily injury and property damage liability coverage. 

As in most states, there are bodily injury and property damage liability coverage requirements in Rhode Island. In Rhode Island, you need to carry a total of at least $50,000 in bodily injury liability coverage. You are also required to carry at least $25,000 of property damage liability coverage per accident. 

You are required to purchase uninsured motorist coverage. 

Rhode Island is a state that requires auto insurance policyholders to purchase uninsured motorist coverage. The state requires at least $50,000 total in uninsured motorist coverage per accident. 

You can receive a fine or be punished with a license suspension for not meeting requirements.

You can face significant consequences for failing to meet any of the above-mentioned requirements.

You will be expected to present evidence of your insurance coverage if you are pulled over by a police officer on Rhode Island roads. You can be cited for not carrying adequate insurance coverage.

Penalties for not meeting insurance requirements can lead to a fine of $500. You might also face a suspension of your driving privileges for a period of three months. 

Find an insurance policy in Rhode Island with our help at The Slocum Agency Inc. Contact us if you have questions on your auto and motorcycle insurance options in Warwick, RI.

Why You Need More Than State Minimum Auto Coverage

Rhode Island mandates the type of auto insurance policy and minimum amounts motorists must carry to legally drive. While it may be tempting to just purchase what the state requires, in many cases, these limits aren’t enough to make you whole after an accident. Our agents at The Slocum Agency in Warwick, RI offer a variety of auto insurance policies to make sure your vehicle is fully covered. 

Minimum auto insurance in Rhode Island

Drivers in Rhode Island must secure minimum amounts of bodily injury and property damage liability insurance. Liability insurance covers other drivers’ injuries or property damage if you get into an accident that is your fault. You must also purchase uninsured motorist coverage, which protects you and your vehicle in case of a hit-and-run accident. It also covers you in case the other person doesn’t have insurance or doesn’t have enough to cover the damage the accident caused. 

Why you need more auto insurance coverage 

 The first reason is stated above—if you get into an accident that isn’t your fault and the other driver doesn’t have enough insurance to cover the entire cost of damages, you’ll get stuck with the bill. Upping your coverage costs to a level above the state minimum helps with this. State-mandated insurance also doesn’t cover damage to your car if you’re not in an accident. This includes damage from snowstorms and vandalism. Adding a comprehensive insurance plan will cover these types of incidents. 

You don’t need to worry about whether your car is fully covered when you purchase a policy from The Slocum Agency. We offer policies to motorists in Warwick, RI, and surrounding areas. You can get an online quote on your auto insurance by using our free tool, or call our office to learn more about the policies we offer. 

Preparing Your Vehicle for Winter’s Fury

Winter can be a brutal season, with the tyranny of its deep snow, hail, sleet, and winds. It is vital to store certain supplies in your vehicle and to perform routine repairs in case a winter emergency happens while you’re on the road. Here are some tips on preparing your car for winter, courtesy of The Slocum Agency, Inc. serving Warwick, RI.

Store antifreeze

Gasoline inside a car or truck can freeze and expand, causing damage to the inner workings of your vehicle. So store antifreeze in your car during the winter. Always keep antifreeze away from children and pets.

Stash shovels in your vehicle

When you’re driving on a country road in the middle of a snowstorm, a couple of shovels can mean the difference between being stranded and being safe.

Store an ice scraper

Ice can become caked onto your windshield, obstructing your view of the road. So have an ice scraper in your vehicle just in case.

Keep blankets in the vehicle

If you ever become stranded in a blizzard, blankets could save you from frostbite and hypothermia. Besides, they feel cuddly and could help comfort you during an emergency.

Have bottled water handy

If your car or truck broke down, or if you become lost, you might have no way of getting to a place to access water. So having bottled water in your vehicle could save your life.

Perform routine maintenance before winter

If your vehicle needs any repairs, have them done promptly before the winter comes. After all, if you’re driving in the middle of a blizzard and your transmission goes out, you might have to wait hours to have a mechanic come and fix it.

If you are looking for a quality insurance agency serving Warwick, RI, contact The Slocum Agency, Inc. to see what we can do for you. Our agents are ready to answer your questions and help you get a quote.

When Should You Consider Changing Your Auto Insurance Policy?

Here at The Slocum Agency, Inc., serving the greater Warwick, RI area, we have customers come to us often asking when they should consider changing their auto insurance policy. It is recommended that you look at your policy every one to two years and see if it still meets your needs. In addition to this, here are three times when you may want to change your policy up. 

You Have Purchased a New Car

When you have purchased a new car, you will need to change your auto insurance policy. You need to ensure the new car is listed on the policy and that the policy covers the value of the car. Most insurance companies require you to let them know within two to three days that you have purchased a new car, so be sure to let yours know right away. 

Your Life Situation Has Changed

Another reason why you may want to change your auto insurance policy is that your life situation has changed. You may be making more money or you may now have a spouse or child. Changing your policy may help to protect you and your loved ones better. 

The Value of Your Car Has Changed

The last reason you may want to change your auto insurance policy is that the value of your car has changed. As your car ages, its value decreases. In some cases, you may drop full coverage if the value is low on your car. 

Having the right auto insurance coverage in the greater Warwick, RI area helps to ensure you are fully covered and protected in the event of an accident or unexpected event. Here at The Slocum Agency, Inc., we can help you with all of your auto insurance needs. Give us a call now to get started. 

How Often To Change Your Oil

The Slocum Agency, Inc. in Warwick, RI can help you rest easy with the knowledge that you have reliable coverage, but that’s only half the battle. The other half is proper car maintenance, and the backbone of proper car maintenance is regular oil changes. Having your tires rotated now and then is important too, of course, and you should use premium gas if that’s what your auto calls for, but oil changes will keep your car running smoothly for years to come.

So, how often should you change your oil? The longest you can typically go is five thousand miles. That’s not recommended, though, because you’re pushing your luck. The best way to manage your oil changes is to have it changed once every three thousand miles, or once every three months.

The next question you may be considering: Do it yourself or have someone do it for you?

Unless you like the idea of doing all your basic maintenance yourself, we recommend having it done professionally. It’s a very easy job, but in Warwick RI you are required to dispose of your oil safely, you can’t just pour it down a storm drain or throw it in the trash. This can take precious time out of your day. But auto garages are set up to get rid of it for you, so it’s just a little less effort on your part.

The Slocum Agency, Inc. can help any driver in Warwick, RI to get the auto insurance they need for their car, truck, you name it. But without proper maintenance, you can’t expect your car to last. Reach out to our agents to learn more about car maintenance and how it can affect your auto insurance.