Quote Central Falls Rhode Island Car Insurance Cheaper With These Tricks

Have you had enough of not being able to afford to buy car insurance? Your situation is no different than millions of other consumers. Multiple car insurance companies compete for your business, so it’s not easy to compare every insurance company to get the lowest cost out there.

It’s a good habit to shop coverage around quite often because rates are adjusted regularly by insurance companies. Even if you got the best rates on your last policy there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance on the web, but we’re going to give you a bunch of ideas how to find affordable car insurance.

If you are insured now or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. Finding affordable coverage in Central Falls is not that difficult. Rhode Island vehicle owners only need an understanding of the most effective way to get comparison quotes over the internet.

How to Compare Car Insurance Quotes in Central Falls

Finding a lower price on insurance is not rocket science. You just have to take a couple of minutes to compare rate quotes online from several insurance companies. This can be done using a couple different methods.

  1. The fastest way to get quotes is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quotation requests for each company you want a rate for. A single, simple form gets rate comparisons from all major companies.
  2. A more difficult way to get quotes online consists of going to each company website to complete a price quote. For examples sake, we’ll assume you want comparison quotes from State Farm, 21st Century and Farmers. You would have to visit each site and enter your policy data, which is why most consumers use the first method.

    For a list of links to companies insuring cars in Central Falls, click here.

  3. The least efficient way of comparing rate quotes is to spend time driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed agents. You can, however, comparison shop online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever way you use, compare identical coverage limits and deductibles for each comparison quote. If you are comparing unequal deductibles or liability limits you will not be able to make an equal comparison in Central Falls.

You probably qualify for some discounts

Companies that sell car insurance don’t list every discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known car insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

To see a list of insurance companies offering car insurance discounts in Rhode Island, follow this link.

But I prefer to buy car insurance from an agent

A small number of people would rather visit with an insurance agent and that is a personal choice. Professional agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing insurance prices online is you may find lower rates and still choose a local agent.Car insurance in Central Falls Rhode Island

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Central Falls who will give you bids for your coverage. You don’t have to visit any agencies due to the fact that quote results will go to your email. How cool is that?!

Picking an insurance company should depend on more than just a low price. These questions are important to ask:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they feel the quoted coverages are adequate?
  • What are the financial ratings for the companies they represent?
  • Does the agency support the community they serve?

Two types of insurance agencies

When searching for local Central Falls agents, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Central Falls can either be independent (non-captive) or captive. Both insure your vehicles, but it’s worth mentioning how they differ because it can impact the type of agent you choose

Agency Captives

Captive agencies work for only one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Captives are very knowledgeable on their products and sales techniques which can be an advantage.

Shown below is a short list of captive agents in Central Falls who can help you get price quote information.

Allstate Insurance Co – 661 Dexter St – Central Falls, RI 02863 – (401) 725-2560

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s a good idea to contact at least one independent agent for the best price selection.

Below are Central Falls independent insurance agents that can give you price quotes.

Zuluaga Insurance – 791 Dexter St – Central Falls, RI 02863 – (401) 722-8810
Maria’s Insurance Inc – 793 Broad St – Central Falls, RI 02863 – (401) 728-6211

To view a complete directory of licensed insurance agents in Central Falls, visit this site.

Upon getting positive feedback to any questions you have and an affordable coverage quote, you may have just found a car insurance agent that will properly insure your vehicles.

You have some control over your rates

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that can help you get big savings.

  • Traffic citations inflate rates – Your driving record impacts your car insurance rates tremendously. Even a single speeding ticket may increase your cost by twenty percent. Drivers with clean records receive lower rates than bad drivers. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Pay less if you’re married – Having a wife or husband helps lower the price when buying car insurance. Having a significant other means you’re more mature than a single person and statistics show married drivers get in fewer accidents.
  • Poor credit can mean higher rates – Having a bad credit rating is a important factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than those with lower ratings. If your credit can use some improvement, you could potentially save money when insuring your by repairing your credit.
  • Multiple policies with one company can save – Many insurers will award you with lower prices to people who buy several policies from them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to comparison shop to ensure the best deal. You may still find a better deal by splitting coverages up.

And the best car insurance company is…

Cheaper car insurance can be sourced from both online companies and also from your neighborhood Central Falls agents, and you need to comparison shop both to have the best selection. Some insurance providers may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented many ideas to shop for car insurance online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from the smaller companies. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

Additional detailed information is located at the Rhode Island Division of Insurance Regulation website. Rhode Island drivers can download brochures, find a variety of consumer forms, find out which companies have the most complaints, and get help finding coverage.