West Greenwich Car Insurance For Less Than You’re Paying Now

Are you tired of being strong-armed each month for car insurance? You’re in the same situation as many other Rhode Island consumers.

Because you have many options, it can be diffult for consumers to locate the cheapest company.

Buying car insurance in West Greenwich is not rocket science. Essentially everyone who buys car insurance will be able to find lower rates. Although Rhode Island car owners must understand how the larger insurance companies sell insurance online and use this information to your advantage.

Cut your car insurance rates with discounts

Auto insurance companies don’t list every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • Low Mileage Discounts – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Life Insurance – Some companies give lower rates if you buy life insurance.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.

Compare Quotes for West Greenwich Car Insurance

Effectively comparing car insurance prices can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in West Greenwich, or you can utilize the internet to maximize your effort.

All the larger companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company can give them a price based on the submitted data. This prevents consumers from doing form submissions to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The only drawback to using this type of system is you are unable to specify which companies to get pricing from. If you would rather choose from a list of companies for rate comparison, we have assembled a list of the cheapest car insurance companies in Rhode Island. Click here for list of insurance companies in Rhode Island.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits and deductibles for each price quote. If you enter higher or lower deductibles it’s not possible to determine the lowest rate in West Greenwich. Having just a slight variation in coverage limits may result in large price differences. Keep in mind that obtaining a wide range of quotes helps you find a better price.

Tips to Get Lower West Greenwich Rates

Consumers need to have an understanding of the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Protect yourself with liability coverage – Liability coverage is the protection if ever you are found to be at fault for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Special features that cut premiums – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • More performance means more cost – The performance of the vehicle you own makes a huge difference in the rate you pay. Low performance passenger vehicles generally have the cheapest insurance rates, but there are many factors that impact the final cost.
  • Higher deductibles cost less – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and burglary. Physical damage deductibles are how much you are willing to pay before a claim is paid by your company. The more you have to pay, the less your car insurance will be.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance might get you a revoked license or a big fine.You may then be required to file a SR-22 with the Rhode Island motor vehicle department to get your license reinstated.
  • Your credit rating is important – A driver’s credit rating is a large factor in calculating your car insurance rates. People with high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit rating can use some improvement, you could save money insuring your by repairing your credit.
  • Pay less after the wedding – Having a spouse actually saves money when buying car insurance. It means you’re more responsible and statistics show married drivers get in fewer accidents.

Situations that might require an agent

When buying coverage, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation would benefit from an agent’s advice.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-92.jpg" alt="West Greenwich Rhode Island auto insurance“/>

  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my custom paint covered by insurance?
  • Why am I required to get a high-risk car insurance policy?
  • What are the best liability limits?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

What happened to insurance agents?

Some people would prefer to buy from a local agent and that is OK! The best thing about price shopping on the web is that you can obtain better rates and still have an agent to talk to.

To find an agent, once you fill out this short form, the quote information is instantly submitted to local insurance agents who will return price quotes for your coverage. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. How’s that for easy! You can find the lowest rates and work with a local agent.

Choosing an insurer needs to be determined by more than just the premium amount. These are valid questions to ask:

  • What insurance companies do they work with?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Which company do they place the most coverage with?
  • Are there any discounts that you might be missing?
  • Is working in the agency their full-time job?

Not all insurance agencies are the same

If you’re trying to find a reliable agent, there are a couple of different types of agents that you can select. Insurance agencies in West Greenwich can either be independent or captive.

Captive Insurance Agents

Captive agencies work for only one company and some examples include State Farm or Allstate. They are unable to provide prices from multiple companies so keep that in mind. Captive agents are very knowledgeable on the products they sell which can be an advantage.

Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When shopping rates, you should always contact at least one independent agent to have the most options to choose from.

Below are West Greenwich independent agencies who can help you get rate quotes.

Farm Family Adams Agency – 780 Victory Hwy – West Greenwich, RI 02817 – (401) 397-4000

To view a full list of licensed insurance agents in West Greenwich, simply jump to this page.

After receiving satisfactory answers to these questions and a good coverage price, you have narrowed it down to an auto insurance agent that meets your needs to properly service your car insurance policy.

West Greenwich Rhode Island auto insurance

Save $419 a year? Really?

State Farm and Allstate consistently run ads on television and other media. All the companies make the same claim that you can save if you change to them. How can each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that makes them money. A good example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably cut their rates substantially.

Consumers who fall outside this ideal profile must pay higher premiums and ends up with the customer not buying. The ads state “people who switch” not “everyone that quotes” save that much money. That is how companies can advertise the way they do. This illustrates why drivers must compare many company’s rates. You cannot predict which car insurance company will fit your personal profile best.

The best insurance company isn’t always the cheapest

Low-cost car insurance is attainable both online in addition to many West Greenwich insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

You just read a lot of information how to get a better price on car insurance. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Drivers may discover the best prices are with the least-expected company. They may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. Too many times, an insured dropped physical damage coverage only to regret that it was a big error on their part. The proper strategy is to find the BEST coverage at the best price.

More information about car insurance

More tips and info about car insurance can be found at the Rhode Island Division of Insurance Regulation website. Consumers can find disaster information, file complaints about a company, view agent and company licensing information, and find out industry alerts.