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.
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.
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.
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.
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.
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.
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:
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.
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 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.
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.
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.
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.