Cheaper Cranston Car Insurance Rates in Five Minutes

I can’t think of anyone who likes paying for car insurance, especially knowing the cost is way too high.

Because you have many car insurance companies to choose from, it is hard for the average consumer to locate the lowest cost insurance company.

Consumers need to check car insurance prices yearly since rates go up and down regularly. Just because you had the best rates a couple years back a different company probably has better rates today. Starting now, block out anything you think you know about car insurance because we’re going to show you one of the quickest ways to reduce your cost while increasing coverage.

Choosing the best insurance company for you in Cranston is easy if you know what you’re doing. Just about everyone who carries car insurance stands a good chance to be able to reduce their rates. Although Rhode Island vehicle owners should learn the way companies price online insurance and apply this information to your search.

Where Can I Get Cheap Cranston Car Insurance?

Performing a rate comparison can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste hours talking to insurance companies in Cranston, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace that allows shoppers to submit their information once, and at least one company returns a rated price for coverage. This system prevents you from having to do form submissions to each company.

To compare pricing click to open in new window.

The only drawback to getting quotes like this is you don’t know exactly which providers you will receive quotes from. If you wish to select from a list of companies for rate comparison, we have a page of companies who write car insurance in Rhode Island. Click here for list of insurance companies in Rhode Island.

However you get your quotes, double check that you are using apples-to-apples coverages and limits on every quote. If each company quotes different deductibles it will be impossible to make an equal comparison in Cranston. Slightly different coverage limits can make a big difference in price. And when price shopping your coverage, more quotes will improve the odds of getting the best offered rates.Auto insurance in Cranston

When might I need the advice of an agent?

When choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight whether or not you could use an agent’s help.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I still get insurance after a DUI?
  • Does my policy pay for OEM or aftermarket parts?
  • What if I total my vehicle and owe more than it’s worth?
  • Does my car insurance cover rental cars?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my vehicle covered for flood damage?
  • Does my vehicle qualify for pleasure use?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Neighborhood insurance agents

Some people would prefer to talk to a local agent and that is a personal choice. One of the great benefits of price shopping on the web is that you can obtain better rates but still work with a licensed agent.

By using this short form, your information is instantly submitted to local insurance agents in Cranston who will return price quotes for your business. There is no need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy! You’ll get the best rates AND a local agent.

Picking a company shouldn’t rely on just a low price. Here are some questions to ask:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Can glass repairs be made at your home?
  • Which members of your family are coverage by the policy?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

Types of insurance agents in Cranston

When looking for a reliable agent, there are a couple of types of insurance agents to choose from. Insurance agencies in Cranston can either be captive or independent (non-captive).

Captive Insurance Agents

Captive agents can only write with one company like State Farm or Allstate. They generally cannot compare other company’s rates so they have to upsell other benefits. They receive extensive training on their products and sales techniques which helps them compete with independent agents.

Below is a short list of captive insurance agencies in Cranston that are able to give price quote information.

North American Family Inst – 735 New London Ave – Cranston, RI 02920 – (401) 946-2020
Allstate Insurance Co – 815 Oaklawn Ave – Cranston, RI 02920 – (401) 944-3366

Auto insurance in Cranston

Independent Agents

These agents are not required to write business for one company but rather can write business with many different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent.

When comparing rates, it’s recommended you get quotes from multiple independent agents to ensure the widest selection of prices.

Shown below are independent agencies in Cranston that can give you price quotes.

Central Agency – 166 Atwood Ave – Cranston, RI 02920 – (401) 942-2323
Angelo Menna Insurance – 686 Reservoir Ave – Cranston, RI 02910 – (401) 944-7700
Cormack-Routhier Agency – 1 Harry St – Cranston, RI 02907 – (401) 944-9400
Andrew J Spirito Agency – 1013 Reservoir Ave – Cranston, RI 02910 – (401) 946-0910
Ritz Insurance – 762 Atwood Ave – Cranston, RI 02920 – (401) 464-8200

For a complete listing of licensed insurance agents in Cranston, please click here.

After getting reasonable responses to all your questions and a low price estimate, chances are good that you have found an insurance agency that meets your needs to insure your vehicles.

More information about car insurance

More tips and info about car insurance is located at the Rhode Island Division of Insurance Regulation website. Consumers can read enforcement actions against agents and companies, view a list of available companies, download brochures, and report car insurance fraud.