Professional Tips to Cheaper Middletown, RI Car Insurance

I can’t think of a single person who cherishes buying car insurance, especially when the cost is way too high. Numerous auto insurance companies battle for your business, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

If you have a policy now or are just looking to switch companies, you can use these tips to reduce the price you pay and still get good coverage. Choosing the best insurance company for you in Middletown is easy if you know what you’re doing. Rhode Island vehicle owners just need to understand the proper way to compare rates online.

Take discounts and save

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be manually applied in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.

  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Paperwork-free – Some insurance companies may give you up to $50 for buying a policy and signing up online.
  • Clubs and Organizations – Affiliation with a qualifying organization could trigger savings on car insurance.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy could earn a price break for each car.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will cut the amount you have to pay.

How insurance companies determine rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to lower car insurance prices.

The list below includes a partial list of the pieces that factor into prices.

  • Save money with special equipment – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Your credit rating is important – Credit score is a big factor in your rate calculation. If your credit is lower than you’d like, you could pay less to insure your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Marriage pays dividends – Getting married helps lower the price when buying car insurance. Having a significant other means you’re more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Should I sign the liability waiver when renting a car?
  • Why am I required to buy high-risk coverage?
  • Should I buy additional glass protection?
  • Is a new car covered when I drive it off the dealer lot?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company denied a claim?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my personal policy cover me when driving my company car?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Do all my vehicles need collision coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

What if I want to buy from a local Middletown agent?

Certain consumers would rather talk to a local agent and that is just fine! Insurance agents can help determine the best coverages and help in the event of a claim. The best thing about comparing rates online is you can get the best rates but still work with a licensed agent. Buying from local businesses is especially important in rates in Rhode Island

After completing this short form, your information is emailed to insurance agents in Middletown who will return price quotes for your insurance coverage. There is no reason to leave your computer since price quotes are sent straight to your inbox. Now that’s easy!

Do you need an independent or captive insurance agency?

If you’re trying to find a local agent, you need to know there are two types of agencies to choose from. Agencies in Middletown are classified as either independent or captive. Either one can do a good job, but it’s worth mentioning the differences since it can impact your selection of an agent.

Independent Agencies or Brokers

These agents are not employed by any specific company but rather can write business with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, you should always include price quotes from several independent insurance agents for maximum quote selection.

Below are Middletown independent agents who can help you get pricing information.

Agency Firstfed Insurance – 716 Aquidneck Ave – Middletown, RI 02842 – (401) 849-3073
Bank Of Newport Insurance Svc – 272 Valley Rd # 1 – Middletown, RI 02842 – (401) 847-5200
Creative Solutions Insurance – 1272 W Main Rd # 1 – Middletown, RI 02842 – (401) 848-7333

Agency Captives

This type of agents can only place business with one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to shop your coverage around so it’s a take it or leave it situation. Captive agents are well schooled on their products and sales techniques which can be an advantage.

Listed below is a list of captive agencies in Middletown that are able to give comparison quotes.

Allstate Insurance Co – 190 E Main Rd – Middletown, RI 02842 – (401) 846-2035

To view a full list of captive insurance agencies in Middletown, please go to this site.

Middletown RI insurance cheap

Deciding on an insurance agency should depend on more than just a low price. Ask your prospective agent these questions:

  • Are they full-time agents?
  • How long has their agency been in business in Middletown?
  • Are they able to influence company decisions when a claim is filed?
  • If your car is totalled, how to they determine the replacement cost?
  • How are they compensated?
  • How much will you save each year by using a higher deductible?
  • Do they specialize in personal lines coverage?

Once you have positive responses to these questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide car insurance.

Additional car insurance information is located on the website for the Rhode Island Division of Insurance Regulation. Click here for link. Rhode Island consumers can view agent and company licensing information, find out which companies have the most complaints, file complaints about an insurance agent or broker, and read industry bulletins.

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Do the work, save more money

Cheaper car insurance is attainable on the web in addition to many Middletown insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not provide online quoting and these regional insurance providers work with independent agents.

In this article, we covered a lot of ways to shop for car insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. Consumers may even find the most savings is with a lesser-known regional company. Regional companies often have lower prices on specific markets than their larger competitors like Progressive and GEICO.