Providence Rhode Island Auto Insurance Company Online Price Comparisons

If you’re looking to buy auto insurance, picking a good Rhode Island insurance agent is harder than just using the same insurance agency as your neighbor. Consumers need a professional licensed agent, but also need the best price on auto insurance.

Many insurance agents vie to insure your vehicles, so it can be very hard to choose a car insurance agent to find the best rate

Online quotes help locate Providence agents

Professional agents can help determine the best coverages and help you file claims. The biggest benefit of price shopping on the web is that you can obtain the lowest rates but also keep your business local.

Upon completion of this simple form, the quote information is sent to local insurance agents in Providence who will battle for your business. There is no reason to visit any agencies due to the fact that quote results will go to your email. Now that’s easy! Get lower rates AND a local agent.

Choosing a car insurance agent needs to be determined by more than just the price. These questions are important to ask:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • Can glass repairs be made at your home?
  • How are claims handled?
  • Which insurance companies are they affiliated with?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Will your rates increase after a single accident?
  • How long have they worked with personal auto insurance coverage?

What types of insurance agents are in Providence?

When researching an insurance agent, there are a couple of types of agencies that you can select. Agents can either be independent or captive.

Captive Agents

Captive agencies can only write with one company like AAA, Allstate and State Farm. They generally cannot compare other company’s rates so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to purchase coverage from captives mainly due to the brand legacy and strong financial ratings.

Shown below are captive agents in Providence that are able to give price quote information.

  • North American Family Inst – 350 Duncan Dr – Providence, RI 02906 – (401) 453-4740
  • Liberty Mutual Insurance – 245 Waterman St # 200 – Providence, RI 02906 – (401) 351-2200
  • Allstate – 125 Dyer St – Providence, RI 02903 – (401) 521-1146
Independent Agents

Independent agents are not locked into one company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparison shopping, it’s recommended you include several independent insurance agents for maximum quote selection. Most have the option of insuring with smaller regional carriers who may have lower rates.

Shown below is a short list of independent agents in Providence that are able to give rate quotes.

  • Zangrilli Agency – 499 Plainfield St – Providence, RI 02909 – (401) 943-9400
  • Paolino Insurance Inc – 26 Ship St – Providence, RI 02903 – (401) 421-2588
  • Liberty Mutual Insurance – 245 Waterman St # 200 – Providence, RI 02906 – (401) 351-2200

To view a complete directory of auto insurance agents in Providence, visit this site.

Upon receiving reasonable responses to all your questions and an affordable coverage quote, you may have just found a car insurance agent that will service your policy.

Can you buy online and save?

Local insurance agents are important, but you also have the option of buying direct from companies that only sell online. Some specific companies, such as State Farm, Allstate and Farmers, who sell through agents in Providence also allow you to buy direct on their websites, so keep that in mind if the lowest rate is your goal.

If you’re apprehensive about not getting proper coverage, that shouldn’t be an issue. Companies all provide contact methods for getting advice on proper coverages.

Does car insurance cost less online? The answer is complex due to the fact that there are many factors that influence the price you pay. It’s a common assumption that buying car insurance online saves money because there is no commission. But in most cases, there are high advertising and marketing costs so rates may not be all that different from traditional agents.

Even more information is located at the Rhode Island Division of Insurance Regulation website. Visitors are able to read consumer alerts, report car insurance fraud, and download brochures.

Also read more on this page for Rhode Island auto insurance and this page of insurance agents in Providence.

A tidy conclusion

Affordable auto insurance is possible online and with local Providence insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Insureds who switch companies do it for many reasons like denial of a claim, lack of trust in their agent, not issuing a premium refund or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company can be pretty painless.