You may be surprised that for much of Shove’s history, auto insurance was not required in Rhode Island and Massachusetts. In 1925, Massachusetts was the first state to make automobile insurance compulsory, and it wasn’t until 1993 that the Rhode Island General Assembly passed the current compulsory financial responsibility laws, which made auto insurance mandatory. Shove agents have always stressed the importance of auto insurance, even before it was mandated. As the cost of medical expenses and vehicle repairs continue to rise, adequate coverage is needed now more than ever.

With the average cost of a new vehicle being well over $48,000 and the cost of medical expenses being at an all-time high, it is paramount that you have enough auto insurance for your own liability exposure in an at-fault accident, as well as enough coverage to protect yourself and your family from another driver with little or no coverage.  Mull this over: Auto Insurance is something most people use every day. Yet, it is not until the monthly bill or the annual renewal arrives that anyone gives it much thought or attention. Cutting a few bucks in coverage may seem like a good idea at this time. But it can cost you thousands of dollars if you experience a claim. For this reason, talk to an experienced Shove agent to ensure you’re not jeopardizing the important coverage you need. This agent will help you choose a policy that you can afford without jeopardizing the important coverage you need.

 Here are some questions you should ask yourself when you buy auto insurance:

• Is your auto insurance coverage within state-minimum limits?
• Are you taking advantage of all of the auto insurance discounts available?
• Are you interested in participating in a carrier’s telematic-based, or usage-based, insurance program to take advantage of your limited miles or good driving habits?