Things You Must Know Before Shopping for Providence Car Insurance Online

Cutting costs on Providence car insurance can be a challenge for consumers not familiar with shopping for insurance online. There are so many choices that it can easily become a real challenge to find lower rates in Providence.

Locating more affordable protection in Providence is simple if you know the tricks. In a nutshell, everyone who buys car insurance will be able to save money. Although Rhode Island car owners must understand the methods companies use to price insurance differently and take advantage of how the system works.

Car Insurance Prices in Providence

Comparing car insurance rates can be challenging if you don’t know the most efficient way. You can waste hours talking about coverages with local insurance agents in Providence, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many companies belong to a marketplace where insurance shoppers send in one quote, and at least one company can give them a price. This system prevents you from having to do repetitive form submissions to every company.

To compare rates using this form now click here to start a free quote.

The only drawback to comparing rates this way is you don’t know exactly which insurance companies you want pricing from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of the cheapest car insurance companies in Rhode Island. View list of Rhode Island insurance companies.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples quote information on every quote. If each company quotes different values for each quote it will be very difficult to make an equal comparison in Providence. Slightly different insurance coverages may result in large price differences. Keep in mind that obtaining a wide range of quotes will improve the odds of getting the best rates.

Are you getting all your discounts?

Car insurance can cost a lot, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some must be specifically requested in order for you to get them.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for a substantially lower rate.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Defensive Driving Course – Successfully completing a driver safety course can save you 5% or more depending on where you live.

It’s important to note that most credits do not apply to the entire cost. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will help reduce the amount you have to pay.

For a list of insurers with the best car insurance discounts in Rhode Island, click this link.

When might I need an agent?

When buying the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

Providence RI car insurance quote

For example, these questions might help in determining whether you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Am I covered when using my vehicle for business?
  • Should I buy only the required Rhode Island minimum liability coverage?
  • Am I getting all the discounts available?
  • Does my medical payments coverage pay my health insurance deductible?
  • At what point should I drop full coverage?
  • Do I need higher deductibles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Additional information can be read on the Rhode Island Division of Insurance Regulation website through this link. Visitors are able to read consumer alerts, learn about insurance regulations, read enforcement actions against agents and companies, and file complaints about a company.