Scraping up a payment for overpriced car insurance can empty your savings account and make it impossible to make ends meet. Doing a price comparison is a smart way to cut your insurance bill.
There are many auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.
An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get better car insurance rates.
Insurance can be prohibitively expensive, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings.
A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.
To see a list of companies who offer car insurance discounts in Rhode Island, click this link.
Some people prefer to get advice from a local agent. One of the great benefits of getting online price quotes is you may find the best rates and still choose a local agent. Supporting local insurance agencies is important especially in Warren.
To make it easy to find an agent, after completing this simple form, your coverage information is immediately sent to insurance agents in Warren who will give you bids for your business. You don’t have to drive around because quoted prices will be sent to the email address you provide. How cool is that?! It’s the lowest rates without the usual hassles of price shopping.
If you’re trying to find a reliable agent, there are a couple of different types of agents from which to choose. Insurance agencies in Warren can either be independent (non-captive) or captive.
Independent insurance agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, it’s a good idea to include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
The following is a list of independent agents in Warren that can give you competitive price quotes.
Raffile Insurance – 596 Metacom Ave – Warren, RI 02885 – (401) 247-1083
John Andrade Insurance – 10 Child St – Warren, RI 02885 – (401) 245-6658
Captive agents have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. Captives cannot place coverage with different providers so always compare other rates. They are trained well in insurance sales which can be an advantage.
Shown below is a short list of captive insurance agents in Warren willing to provide price quote information.
Allstate Insurance Co – 631a Metacom Ave – Warren, RI 02885 – (401) 247-0012
To view a complete directory of captive agents in Warren, visit this link.
Picking an insurance agency needs to be determined by more than just the premium amount. These questions are important to ask:
Once you have good answers to these questions and a low price estimate, chances are good that you have found an insurance agent that will properly insure your vehicles.
Much more information about car insurance in Rhode Island is located on the website for the Rhode Island Division of Insurance Regulation through this link. Consumers can read consumer alerts, find out which companies have the most complaints, and read industry bulletins.
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In this article, we covered a lot of information how to compare car insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
When shopping online for car insurance, don’t be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at the best price.