Tested Strategies for the Cheapest East Greenwich Rhode Island Car Insurance

Nobody I know enjoys paying for car insurance, in particular when the cost is way too high. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Comparison of Car Insurance in East Greenwich, Rhode Island

Most companies such as Allstate and Progressive give price estimates on their websites. Obtaining pricing is pretty easy as you just type in the coverage amounts you desire as requested by the quote form. Upon sending the form, their rating system orders information on your driving record and credit history and provides a quote based on these and other factors. Online quotes makes it a lot easier to compare rates but having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible if you are searching for the best price possible.

There is a better way!

The easiest way to lower your car insurance bill uses one form that gets prices from more than one company. It’s a real time-saver, reduces the work, and makes online price comparison a little more enjoyable. As soon as you send your information, your coverage is rated with multiple companies and you can pick any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process can be completed in a matter of minutes and may result in a nice savings.

In order to find out how much you’re overpaying now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy coverages and limits as shown on your current policy. Doing this guarantees you will be getting a fair comparison using the exact same coverages.

You may need specialized coverage

When buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can aid in determining whether or not you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I put collision coverage on all my vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-40.jpg" alt="East Greenwich Rhode Island auto insurance“/>

Quote online but still have a local agent

Certain consumers would rather talk to a local agent and there is nothing wrong with that. Good agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing rates online is you may find the best rates and still have an agent to talk to. Supporting local insurance agencies is definitely important in East Greenwich.

Once you complete this form (opens in new window), your coverage information is immediately sent to agents in your area who will battle for your coverage. There is no need to visit any agencies since price quotes are sent straight to your inbox. Now that’s easy!

Types of insurance agents

When finding a local agent, there are two different types of agents that you can select. Insurance agencies in East Greenwich are either independent or captive. While both can write coverage properly, but it’s important to know how they are different because it can impact your selection of an agent.

Independent Agents (or Brokers)

These agents do not work for one specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices.

Shown below are East Greenwich independent insurance agencies that can give you rate quotes.

Cardwell Agency Inc – 16 Main St – East Greenwich, RI 02818 – (401) 348-9300
William M Sisson Agency Inc – 5586 Post Rd # 105 – East Greenwich, RI 02818 – (401) 884-2000
Gamwell and Ingraham Insurance – 5700 Post Rd – East Greenwich, RI 02818 – (401) 944-7900
Mellor Agency – 5 Division St # 3 – East Greenwich, RI 02818 – (401) 884-4455
Glover-Padula Insurance Inc – 16 Main St – East Greenwich, RI 02818 – (401) 884-1616

East Greenwich Rhode Island auto insurance

Captive Agents

Captive agencies are contracted to one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:

  • What are the financial ratings for the companies they represent?
  • Did they already check your driving record and credit reports?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How much will you save each year by using a higher deductible?

After getting positive responses to any questions you have and an affordable coverage quote, you may have just found an auto insurance agent that can properly insure your vehicles.

More resources for learning

Additional car insurance information is available on the website for the Rhode Island Division of Insurance Regulation located here. Rhode Island drivers can find out which companies have the most complaints, discover disciplinary actions, learn about specific coverages, and get help finding coverage.

Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and this link where you can get more info about East Greenwich coverage.