Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, there are many Bristol consumers feeling the pinch from expensive auto insurance.
Since consumers have many companies and agents to choose from, it can be hard to locate the right company.
You should make it a habit to compare prices occasionally because insurance rates go up and down regularly. Even if you think you had the best price on your last policy you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because I’m going to teach you the proper way to save money, get proper coverage and the best rates.
Buying car insurance in Bristol is not rocket science. Just about everyone who has to buy auto insurance should be able to find better rates. But Rhode Island drivers do need to learn the way insurance companies determine prices and use this information to your advantage.
Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can waste hours talking to insurance companies in Bristol, or you could save time and use the web to accomplish the same thing much quicker.
Many companies participate in a marketplace that allows shoppers to complete one form, and each company then gives them pricing based on that information. This prevents consumers from doing repetitive form submissions to every company. To compare rates now click to open in new window.
The only downside to doing it this way is you can’t choose the insurers you will receive quotes from. If you wish to select specific insurance companies to compare, we put together a list of low cost auto insurance companies in Rhode Island. Click here for list of insurance companies in Rhode Island.
It’s up to you which method you use, but be sure to compare identical information on every quote. If each company quotes different limits and deductibles on each one then you won’t be able to determine which rate is truly the best in Bristol. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, comparing a large number of companies gives you a better chance of getting better pricing.
Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so here is a list both the well known as well as the least known savings tricks you should be using.
Keep in mind that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.
To choose insurance companies with discount auto insurance rates in Rhode Island, click this link.
When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether your personal situation would benefit from professional advice.
If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
More tips and info about auto insurance can be read at the Rhode Island Division of Insurance Regulation website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, read industry bulletins, and learn about insurance regulations.
When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone dropped full coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Discount auto insurance can be purchased on the web and with local Bristol insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.
In this article, we covered many tips how you can lower your auto insurance rates. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the best prices are with some of the smallest insurance companies. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.