New Tricks for Paying Less for on Providence, RI Auto Insurance

Are you a victim of an overpriced auto insurance policy? Believe me when I say there are many Providence consumers feeling the pinch from expensive auto insurance.

Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a provider to find the absolute cheapest price

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Finding the best rates in Providence is not that difficult. But Rhode Island car owners need to learn how insurance companies determine prices and take advantage of how the system works.

Compare Quotes for Providence Auto Insurance

Most major insurance companies like Allstate, GEICO and Progressive quote pricing on the web. Obtaining pricing is quite easy as you simply type in the coverages you want into the quote form. Once entered, their system gets information on your driving record and credit history and returns a price quote based on many factors. This makes comparing rates easy, but the time it takes to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to find better auto insurance pricing.

The better way to compare ratescar insurance image

The quickest way to find better auto insurance pricing uses one simple form that gets prices from several companies at one time. This type of form saves time, eliminates repetitive work, and makes price shopping online much more efficient. After sending the form, it is rated with multiple companies and you can pick any one of the returned quotes.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The whole process takes 15 minutes at the most and may result in a nice savings.

To find out how much you’re overpaying now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you type in the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on similar coverages.

Discounts can save BIG

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Safe Drivers – Safe drivers can pay as much as 50% less than less cautious drivers.
  • Multiple Vehicles – Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off with a few auto insurance companies.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. But any discount will bring down the cost of coverage.

Learn more about Rhode Island auto insurance

More information can be found on the website for the Rhode Island Division of Insurance Regulation found here. Visitors are able to read state legal mandates and laws, view agent and company licensing information, and report car insurance fraud.

Also read more on this link for Rhode Island auto insurance quotes and this page where you can research Providence insurance agents.