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Home > Auto Insurance | Providence, RI

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Quote

Auto Insurance Information

Car insurance is a financial safeguard that helps protect you, your vehicle and others if there is an accident or other incident that causes damage or injury. While policies and coverage vary, your auto policy can typically help you pay for accident-related medical expenses, vehicle repairs or replacement and third-party property damages or injuries after an accident.  

If you live in or around Providence, Rhode Island, let the team at Podmaska Insurance help you find the auto insurance that meets your needs. Give us a call today at 401-272-5444 to get started.  

What is auto insurance? 
An auto insurance policy can help cover the cost of repairing vehicle damage or medical expenses if you are injured in an accident. It can also protect you financially if you cause an accident and are liable for third-party injuries or property damage.  

Certain aspects of your policy may be subject to policy limits or deductibles. Talk to your Podmaska Insurance agent today to learn more.  

What does auto insurance cover? 
The full scope of what your auto insurance policy covers will depend on the types of coverage you’ve added to your policy. For example, a policy with only the minimum amounts of auto insurance coverage required by Rhode Island state law (e.g., liability and uninsured/underinsured motorist and property damage coverage) won’t cover as much as a policy with full coverage (e.g., liability, comprehensive, collision and uninsured/underinsured coverage).  

What are the main types of auto insurance?  
There are a few different auto insurance coverages you can purchase or add to your policy. Please note that policy details and coverages may vary based on your insurer or your situation. Here’s a general overview of some of the most common coverage types: 

  • Liability insurance—This coverage helps protect you financially if you’re liable for third-party property damage or injuries you may have caused. It can also help pay for lawsuits if you’re sued. Rhode Island state law requires all drivers to carry minimum levels of bodily injury and property damage liability insurance.

  • Collision insurance—This coverage helps cover your vehicle if it is involved in a collision with another vehicle or object (not including an animal collision) or if your vehicle overturns.

  • Comprehensive insurance—This coverage helps protect against damage your car may sustain from uncontrollable events, such as vandalism, theft, inclement weather or falling trees. Animal collisions may also be covered under comprehensive insurance.

  • Uninsured/underinsured motorist insurance and property damage—These coverages can help pay for injuries and property damage if you’re involved in an accident with an uninsured or underinsured driver. Rhode Island state law requires all drivers to carry minimum levels of this type of coverage. 

  • Medical payments insurance—This type of coverage can help cover medical bills incurred by you or your covered passengers if you’re injured in a car accident.


You may also be able to add other types of coverage to your policy, such as gap coverage, roadside assistance, accident forgiveness and rental car reimbursement. For more information about the types of coverage available, contact Podmaska Insurance today.  

Is car insurance a good idea? 
One of the best ways to protect yourself financially against the unexpected is to purchase adequate auto insurance. You never know if you’ll be involved in an accident or if something will happen to your vehicle.  

To learn more about why car insurance is a good idea, give the team at Podmaska Insurance a call today. We’ll help you identify your insurance needs and find a policy that’s right for you.  

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1309 Chalkstone Ave. | Providence, RI 02908
P: 401-272-5444 | podmaskainsurance@podmaska.com
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