Auto Insurance 101: What Every Driver Needs to Know

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Auto insurance is a crucial aspect of responsible vehicle ownership. Understanding the coverage types and factors that affect premiums can be overwhelming. Here is a comprehensive overview of auto insurance basics in South Kingstown, RI.

Types of Coverage

There are several types of auto insurance coverage, including:

  • Liability

  • Collision

  • Comprehensive

Liability insurance is mandatory in South Kingstown, RI and covers damages and injuries you may cause to others in an accident. Collision coverage pays for repairs or vehicle replacement if you are at fault in an accident. Comprehensive coverage protects your vehicle against theft, vandalism, and other non-collision incidents. Personal injury protection covers medical expenses and lost wages for you and your passengers after an accident.

The Importance of Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UM/UIM) coverage protects you and your passengers if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough to cover the damage and injuries they caused. It can also protect you if you are involved in a hit-and-run accident.

Without UM/UIM coverage, you could be left paying for the damages and injuries out of pocket, which can be costly and financially devastating. It’s important to consider adding UM/UIM coverage to your auto insurance policy to protect yourself and your passengers.

Finding the Right Policy

To find the right auto insurance policy, consider your budget, coverage needs, and deductible. Compare quotes from different insurance companies to find the best value. Ask about discounts, such as safe driver discounts, which can help reduce premiums. Work with an insurance agent to guide you through the process.

Kingston Insurance Agency LLC Is Here To Help!

Auto insurance is a critical aspect of responsible vehicle ownership. By understanding the basics of coverage and factors that affect premiums, drivers can make informed decisions when choosing a policy. Contact Kingston Insurance Agency LLC for personalized insurance quotes and expert advice.

3 Safety Rules Every Boat Owner Should Enforce

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If you are a boat owner, your responsibilities do not end with simply having insurance coverage. There are several boat safety rules that you should enforce any time you or your guests are on your boat. We want to help residents of South Kingstown, RI and the surrounding areas, make good safety choices while on the water. Learn more about the three important safety rules for your boat from the friendly insurance professionals at Kingston Insurance Agency LLC.

3 Safety Rules For Boat Owners 

Floatation Devices For Everyone

Any time you or guests are on your boat, everyone needs a personal floatation device available. Never, ever cut corners on this. If you do not have adequate floatation devices for everyone on board, then you should cut the number of guests you take out on the boat or procure the devices before heading out onto the water. A floatation device could mean the difference between a great day on the lake or a disaster. 

Prepare Safety Gear For Every Outing 

Even if you are only going to be on the water for a short time, it is imperative that you properly prepare your safety equipment before heading out. You should have all floatation devices in good shape, a first aid kit, a fire extinguisher, flares, extra food, and water. These could be life savings items in an emergency situation. 

No Drinking and Boating 

Just like driving a car, a boat should never be driven by someone who is under the influence of drugs or alcohol. Driving a boat requires that you be alert and ready to handle emergency situations. Using drugs or alcohol will impair your ability to keep yourself and your guests safe on your boat. 

Get Boat Insurance Today

If you would like to learn more about boat insurance or other services,  please contact us at Kingston Insurance Agency LLC, serving South Kingstown, RI and the surrounding areas. 

Why You Need Classic Car Insurance

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A classic car is one that may have been built over 30 years ago. For most people who have such kinds of cars, it is most likely that they do not put them to use every single day. Sometimes, the owners may even use them at all, but they may be preserved for sentimental purposes.

Your basic auto insurance in South Kingstown, RI may not serve to cover your classic car, unless it is used as your primary vehicle. We at Kingston Insurance Agency LLC can provide you with specific coverage for your vintage ride. 

Here are some reasons why you need classic car insurance:

Breakdown

A classic car will likely have parts that need repair because it has been used for a long time. Part of the repair may involve purchasing spare parts for the vehicle. Classical car insurance will therefore cover the replacement of spare parts. The insurance will also cover costs that have been incurred in the event of any roadside damage,

Collision

A collision between your classic cars is likely to cause damage. The insurance will serve to cover the cost of any repair of damage that your car may have caused to another during an accident.

Theft

In the event that your car or property that may have been in the car is stolen, our classic car insurance will reimburse you.

Bodily hurt

When an accident occurs, people who may have been in the car are likely to get physically hurt. It is also possible that you may have hurt a pedestrian. Classical car insurance would give medical coverage for treatment that may not be covered by health insurance.

Get Coverage For Your Classic Car Today

Occurrences like accidents and physical harm to another party are covered by classic car insurance. If you are looking for this coverage in the greater South Kingstown, RI area, contact us at Kingston Insurance Agency LLC today.

What’s included in my recreational insurance policy?

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Every RV is more than a vehicle. As you travel, it’s also a home that comes in multiple sizes with various furnishings and amenities. Our team of insurance experts at Kingston Insurance Agency LLC believes your recreational insurance should be just as unique. Serving the greater South Kingstown, RI community, we can find a personalized policy that’s right for you.

Here are six coverage types to consider when purchasing recreational insurance:

Collision coverage

Just like an auto policy, collision coverage is a must. This protects against any damage resulting from a collision, no matter who is at fault.

Comprehensive coverage

All other damage would fall under this category. Comprehensive coverage could include natural disasters or even theft. These will be listed as covered events in your policy.

Liability

Liability is another core component of almost any insurance policy. But unlike the previous items, this doesn’t cover the vehicle. Liability protects you from potential lawsuits or expenses related to bodily injury.

Uninsured or underinsured motorist protection

You have to worry about other motorists on the roadways too. If an incident occurs with another driver who has inadequate or deficient coverage, this protection has your back.

Personal Property

Most recreational insurance policies are similar to auto insurance. However, personal property protection is different. Like homeowners’ or renters’ plans, this focuses on your belongings. If something on the inside is destroyed or stolen, this kicks in to cover those costs.

Optional add-ons

No two policies are identical. Up your protection by adding countless available options, like roadside assistance. Your Kingston Insurance Agency LLC agent can make recommendations based on your usage.

Contact Us Today

Your recreational insurance should be just as special as your RV itself. Kingston Insurance Agency LLC, serving the greater South Kingstown, RI community, can craft you a personalized policy. Schedule an appointment today.

Four reasons why you might need to update your motorcycle insurance coverage

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Motorcycle coverage is an important consideration if you are a rider. Motorcyclists in South Kingstown, RI can rely on us at Kingston Insurance Agency LLC for insurance coverage.

Motorcycle owners need to understand how important it is to update their coverage periodically to make sure that their insurance needs are met.

The following are four reasons why you might need to update your motorcycle insurance policy:

You’ve bought a new bike

It’s important to reconsider the motorcycle coverage you’re carrying any time you buy a new bike.

If you replace your previous bike, your cost of coverage may change. Your cost of coverage could also change if you add an additional motorcycle to an existing policy. 

Make sure you let your insurance provider know of a new bike on your policy. 

You’re adjusting to a change in income

Any income change could change your needs and preferences regarding motorcycle insurance. If you start earning more money, you might want to increase the amount of coverage you’re carrying or choose a policy with a lower deductible. If your income is reduced, you might want to find ways to reduce your premium costs to fit your budget. 

You’re eligible for a discount

You could become eligible for a motorcycle insurance discount in numerous ways. One possible way to qualify for a discount is to take a motorcycle safety course. Make sure you update your policy to enjoy savings if you are eligible for a discount. 

You’ve moved to a different state

You definitely need to update your policy if you relocate out of state. Different states have different motorcycle insurance requirements, so you need to make sure you’re meeting coverage requirements in your new state. 

Get Motorcycle Insurance Today

You can call us at Kingston Insurance Agency LLC if you want to purchase motorcycle insurance. We provide coverage to motorcycle owners in South Kingstown, RI. Feel free to give us a call or send us an email!

Is it time to add an umbrella policy to the insurance protecting your business?

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Kingston Insurance Agency LLC is here for business owners in South Kingstown, RI and the surrounding areas. If you are looking to boost your liability protection, contact our office today to learn more about the umbrella policy options currently available.

Umbrella insurance can help protect your local business

When it comes to protecting a local business, liability coverage is important. As a business grows and becomes more established, its liability risk and exposure often increase. A primary commercial policy will only provide a certain level of protection. And, once that policy is exhausted the umbrella policy will come into play to protect your company’s assets. 

And, depending on how the company is structured, the owners could potentially be held personally liable for any damages that exceed the amount of coverage provided by the primary policy. This is why having an umbrella policy in place is so important. Having this protection in place is an effective way to ensure that your company has the coverage it needs.

Now is a good time to take a closer look at an umbrella insurance policy for your local business. Our team is here to help you determine which policy can meet your business’s unique needs. Adding this insurance type to your commercial insurance portfolio is an effective way to make sure that your business and its owners are protected from liability risk.

Contact our office today

If you own or operate a business in the South Kingstown, RI area, you can depend on the Kingston Insurance Agency LLC team for all of your insurance needs. Contact us today to set up an appointment to learn more about how an umbrella insurance policy can help protect your business. 

How Does Umbrella Insurance Work?

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If you’re like most people, you probably have some form of insurance to protect your home, car, and health. But what about protecting your assets? That’s where umbrella insurance comes in. Kingston Insurance Agency LLC South Kingstown, RI is here to explain how this policy works and why you may need it.

What Is Umbrella Insurance?

An umbrella policy is an insurance policy that acts as a safety net, providing liability coverage over and above the limits of your other policies. It kicks in when you’ve reached the limit on those other policies and can help provide financial protection in the event that you’re sued for damages. 

For example, let’s say you’re involved in a car accident that wasn’t your fault, and the other driver sues you for $500,000. If you have a $300,000 limit on your auto insurance policy, the umbrella policy would kick in to cover the remaining $200,000. Umbrella insurance can also provide coverage for claims that may not be covered by your other policies, such as libel or slander. 

How Much Umbrella Insurance Do You Need?

The amount of coverage you need will depend on several factors, such as the assets you own, the amount of liability coverage you already have, and your risk tolerance. 

As a general rule of thumb, experts recommend carrying umbrella insurance equal to at least 1-2 times your net worth. So if you have a net worth of $500,000, you should carry $1 million to $2 million in umbrella coverage. 

Of course, this is just a general guideline. You may need more (or less) depending on your unique circumstances. A good place to start is by looking at the limits on your homeowners and auto insurance policies and determining whether those limits are adequate to protect your assets. If not, then umbrella insurance is probably a good idea. 

In most cases, umbrella insurance policies start at $1 million in coverage but can go up to $5 million or more. The cost of an umbrella policy will depend on the amount of coverage you purchase as well as factors like your age, gender, credit score, driving record, and claims history. 

Get Umbrella Insurance Today

Umbrella insurance can go a long way in helping you. Now that you know how it works, contact Kingston Insurance Agency LLC in South Kingstown, RI for a quote or consultation.

3 Ways Flood Insurance Helps Protect You

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Anywhere it can rain, it can potentially flood. Even if you’re not in a high-risk area for flooding, it may be worth looking into a flood insurance policy. At Kingston Insurance Agency LLC, serving the South Kingstown, RI area, we believe in being prepared. Flood insurance is a great way to help mitigate the damage and ease your financial burden in the event of a natural disaster.

Here are three ways that flood insurance can help keep you and your family protected:

1) Flood insurance protects the structure of your home

This includes the house and its foundations, heating and air conditioning systems, electrical and plumbing systems, paneling, cabinets, attached bookcases, and even a detached garage, should you have one. This coverage helps ease the financial burden placed on homeowners to rebuild and assess any structural damage done to their homes in a flood.

2) Flood insurance considers replacement costs

Replacement cost is what it would take financially to rebuild a home in today’s dollars. Flood insurance takes this into consideration for a primary residence when assessing how much to pay, leaving you a good chance of getting close to if not all you need to help you through the period after the flood.

3) Flood insurance also has personal contents coverage

This covers personal effects such as clothing, electronics, furniture, freezers and the food in them, and even art (up to a specified limit).

Give Us A Call

Contact us today at Kingston Insurance Agency LLC. We’re proud to serve the South Kingstown, RI area and believe that insurance shouldn’t be intimidating. Give us a call or stop in today and we’ll get you set up with a flood insurance policy that’s right for you.

What If My Condominium Association Has Insurance?

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What if your condominium association has insurance? If your condo is damaged, will the association’s insurance policy cover it? Here we dive into what to do if your condominium association has insurance.

What Do Condominium Insurance Policies Cover?

As a general rule, most condo associations have insurance that covers the common areas of the property. These include the lobby, hallways, and recreational facilities. This type of insurance is known as property insurance.

It usually does not cover the interior of your individual unit, such as your walls, floors, ceilings, or personal belongings. Moreover, property insurance typically has deductibles that the condo association must pay before the insurer will pay out any claims.

What if My Unit Is Damaged?

If your condo unit was damaged and the condo association’s policy does not cover the damage, you may be able to file a claim with your own insurance company.

Most homeowner’s or renter’s insurance policies cover damages to the interior of your dwelling, as well as your personal belongings. However, it’s important to check your policy carefully to see what is covered and what is not. You may also have to pay a deductible before your insurer pays out any claims.

What Can I Do to Protect Myself?

The best way to protect yourself in South Kingstown, RI is to purchase your own insurance policy from Kingston Insurance Agency LLC. Get one that covers your unit, as well as your personal belongings. This way, you’ll be covered no matter what happens.

You should also stay up-to-date on the condo association’s insurance policy. Check to see what’s covered and what is not. Don’t hesitate to ask the association or your insurance agent if you have any questions. Taking these steps will help you protect yourself in the event that your condominium association has insurance.

Give Us A Call

If you are unsure whether or not your condominium association has insurance, contact the association’s board of directors or property manager. They’ll be able to provide you with more information about the insurance coverage that is in place for your condominium complex. If you need condo insurance, contact Kingston Insurance Agency LLC in South Kingstown, RI today.

What Discounts can be Used to Determine Your Auto Insurance Cost?

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Discounts on your auto insurance policy may help you have a lower premium cost. Below are some possible discount options that you may qualify for. Consult with your agent at Kingston Insurance Agency LLC in South Kingstown, RI for more information. 

What Discounts Can Be Used To Determine Your Auto Insurance Cost? 

Multiple Vehicle Policy Discounts 

If you have more than one vehicle on an auto insurance policy, you can get a lower rate. 

Driver Education discount

If you take a certified driver training course, you can get a policy discount. 

Student discount

If you or a family member is a student with a B grade point average or better, you can qualify for a policy discount.

Safety Device discount

If your automobile has safety devices that can prevent auto accidents or limit the damage from them, you can get a discount. These types of devices include automatic seat belts, airbags, and anti-lock brakes.

Low Mileage discount

If the distance you drive is lower, the chance that you will be in an auto accident is lower. Fewer miles can mean a lower premium cost, too.

Good Diver discount 

A good driver can get a discount for being in fewer accidents and having fewer problems that could lead to one.

Auto and Home discount

Your insurance company may give you a discount if you get your homeowner’s insurance and your auto insurance policy from them.

Anti-theft Device discount

If you have an anti-theft device installed on your vehicle, you can qualify for a discount. 

Membership discount

If you or a household member have a membership to an organization, this may help you get a discount.

Contact Us Today

Call us today t at Kingston Insurance Agency LLC serving South Kingstown, RI for expert insurance advice.

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