Car Insurance in Cumberland
Compare, shop and customize quotes from top-rated insurance carriers.
Why Your Family Needs Car Insurance in Cumberland
Cumberland is a quiet city of just 36,000 people that's located 20 miles north of Providence, RI. With the area's intimate surroundings and comfortable distance from the big city, do you need full-coverage auto insurance, or is basic coverage enough?
While Providence has higher rates of car accidents, Cumberland experiences dangerous crashes, too. In early 2023, a fatal accident claimed the life of one resident and seriously injured five other people.
One reason why your family needs to be aware of car accidents is the high volume of traffic that goes through town. Rhode Island Route 114 has an average traffic volume of nearly 60,000 vehicles a day, almost double the city's total population. Interstate 295 sees about 40,000 vehicles commuting every day.
How To Choose the Right Level of Car Insurance Coverage
Every family has different needs when it comes to auto insurance protection. Choosing the right type of car insurance in Cumberland depends on your driving habits, vehicle and family members.
How Long Is Your Commute?
One factor to consider is the length of your daily commute. For families in Cumberland, the average commute is under an hour in total; however, over 10% of workers drive 45-90 minutes one way.
When you have a long commute on featureless roads, car crashes are more likely. Busy highways are more dangerous still. Even if you're a careful driver, other vehicles can brake suddenly, tailgate you, ignore traffic signals or cut you off.
What Type of Vehicle Do You Have?
Fewer than 3% of the population of Cumberland don't own a vehicle, and those people are probably individuals out of driving age. The vast majority of residents (over 90%) use a car to get to work.
If you're like most families, you have at least two vehicles. About 25% of Cumberland residents have three cars, and a surprising 20% own four.
Your vehicle type can also affect the average cost of car insurance in Cumberland. Normally, local drivers pay about $150 a month for full-coverage auto insurance. This is slightly lower than the state average. If you drive an SUV or truck, your rates may be lower. When using smaller hatchbacks or sedans, you may pay more annually for insurance.
How Many Drivers Do You Have in Your Family?
There are roughly 13,000 families in Cumberland, and each household has an average of 2.6 people. This is higher than the national average, and it means that many residents are married and have kids. When choosing car insurance, think about the level of protection you want for your loved ones.
Teen drivers generally pay more for car insurance because of their inexperience. Before choosing basic coverage to save money, compare the benefits of extra coverage in case of a crash, such as:
- Collision coverage to help with vehicle repairs or replacement
- Personal injury insurance to cover medical bills after an accident
- Underinsured/uninsured motorist coverage in case the other driver isn't carrying insurance
VIU by HUB makes it easy to compare different insurance policies. That way, you see what is included in each price.
Why Choose Custom Car Insurance for Cumberland Drivers
Car insurance is more effective when you tailor the policy to driver habits. Working moms who mainly drive around Cumberland have different needs than business owners who travel into Providence daily. VIU by HUB gives you a wealth of helpful information about car insurance in Cumberland so that you can find options that fit your family's circumstances and budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.