Proven Techniques for Buying Cheaper West Warwick Car Insurance

Overpriced car insurance can empty your checking account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket. Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a provider and uncover the absolute lowest price

If you have a policy now or need new coverage, you can learn to reduce the price you pay and still get good coverage. Buying car insurance in West Warwick is easy if you know what you’re doing. Rhode Island drivers just need to know the tricks to get comparison rates online.

Why your price might be higher

It’s important that you understand some of the elements that help determine car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to better car insurance rates.

Proper usage rating affects rates – The more miles you rack up on your car each year the more you will pay for car insurance. Almost all companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your car insurance policy is rated on how each vehicle is driven, because it can save money.
Careful drivers pay lower rates – Your driving record has a big impact on rates. Even a single citation may increase your cost by twenty percent. Drivers with clean records get better rates than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
Rates may be higher depending on your occupation – Careers like judges, architects and dentists tend to pay the highest average rates because of high stress levels and lengthy work days. Other occupations such as farmers, historians and retirees have the lowest average rates.
Policy add-ons can waste money – There are a ton of add-on coverages you can purchase when buying car insurance. Insurance for roadside assistance, better glass coverage and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money eliminate the coverages to reduce your premium.

Finding Car Insurance in West Warwick, Rhode Island

All the larger car insurance companies such as GEICO, State Farm and Progressive allow you to get prices on their websites. This process is fairly simple as you simply type in your coverage information as requested by the quote form. Upon sending the form, the system sends out for information on your driving record and credit history and returns pricing information. Online price quotes simplifies rate comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to perform this step if you are searching for the lowest car insurance rates.

Rate comparisons made easy

A more efficient way to find lower prices requires only one form that gets price quotes from a bunch of companies at once. It saves time, reduces the work, and makes price shopping online much more efficient. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the price quotes you receive. If a lower price is quoted, it’s easy to complete the application and buy the policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to get comparison pricing now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This helps ensure you will have a rate comparison based on identical coverages.

Ads can be misleading

Rhode Island consumers get pounded daily by advertisements for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. All the ads have a common claim of big savings if you move to them.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. A good example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and drives newer vehicles. A propective insured who fits that profile will get very good rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will be quoted a higher premium which usually ends up with business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. You cannot predict which car insurance company will give you the biggest savings.

Cut your car insurance rates with discounts

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
Paperless Signup – Certain companies will give a small break just for signing your application on their website.
Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.
Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Homeowners Savings – Owning a home in West Warwick can save you money because maintaining a house requires personal responsibility.
Distant Student – Any of your kids who live away from home without a vehicle on campus can receive lower rates.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

But I prefer to buy car insurance from an agent

Some consumers would prefer to visit with an insurance agent and that is just fine! Professional agents can answer important questions and help submit paperwork. The biggest benefit of comparing rates online is that you can obtain the lowest rates and still choose a local agent.

By using this simple form, your coverage information is sent to local insurance agents in West Warwick who will battle for your insurance coverage. You won’t need to visit any agencies as quotes are delivered straight to your inbox. It doesn’t get any easier!

Selecting a company shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:

Does the agency have a good rating with the Better Business Bureau?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Are claim adjusters local or do you have to take your car somewhere else?
Are they full-time agents?
How are they compensated?
What are the financial ratings for the companies they represent?

Is a captive or independent insurance agent right for you?

If you’re trying to find a good West Warwick insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. West Warwick agents are categorized either captive or independent. While both can do a good job, but it’s worth mentioning how they differ since it may influence your selection of an agent.

Agency Captives

Captive agencies are contracted to one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Captive agents are well schooled in insurance sales which can be an advantage.

Listed below are captive insurance agents in West Warwick that can give you rate quotes.

Allstate Insurance Co – 711 Quaker Ln – West Warwick, RI 02893 – (401) 823-7170
Liberty Mutual Insurance – 1300 Division Rd # 204 – West Warwick, RI 02893 – (401) 885-1634

Independent Insurance Agents

Independent insurance agents are not employed by any specific company but rather can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.

When searching for an agent, you should always include price quotes from multiple independent agents to have the most options to choose from.

Shown below are West Warwick independent agencies that can give you price quotes.

C O Agency Inc – 1350 Division Rd – West Warwick, RI 02893 – (401) 886-1830
Graham Insurance – 328 Cowesett Ave # 4 – West Warwick, RI 02893 – (401) 828-7946
Gmac Insurance – 1300 Division Rd # 305 – West Warwick, RI 02893 – (401) 822-3750

For a full directory of car insurance agents in West Warwick, please view this page.

After getting positive feedback to all your questions and an acceptable price quote, most likely you have located an insurance agent that will service your policy.

Your coverage should be tailored to you

When choosing the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether your personal situation would benefit from professional advice.

Am I covered when using my vehicle for business?
Does my insurance cover my expensive audio equipment?
What are the best liability limits?
What if I total my vehicle and owe more than it’s worth?
When should my teen driver be added to my policy?
Do I need medical payments coverage since I have good health insurance?
Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

More tips and info about car insurance can be found at the Rhode Island Division of Insurance Regulation website. Consumers can discover disciplinary actions, find a variety of consumer forms, download brochures, and read industry bulletins.

Also read more on this online resource for free quotes in Rhode Island and this link where you can get more info about West Warwick coverage.

One last thing about your coverage

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Low-cost car insurance can be sourced from both online companies as well as from independent agents in West Warwick, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.