Costing Too Much for Car Insurance in Barrington Rhode Island? Here’s How to Save!

Perplexed by the sheer number of car insurance providers available to you? Rhode Island vehicle owners have such a large number of options that it can quickly become a real hassle to find the lowest price. If you live there, you know that Barrington is the perfect city to reside in, but finding the money to pay for car insurance can make it difficult for lots of drivers to afford coverage.

Smart consumers take time to get comparison quotes quite often because car insurance prices tend to go up over time. Even if you think you had the best rates a few years ago the chances are good that you can find a lower premium rate today. You can find a lot of misleading information regarding car insurance out there, but you can learn some guaranteed methods to stop overpaying for insurance.

There are multiple methods to shop for car insurance, but one way is more efficient than others. You can spend countless hours talking to agents in Barrington, or you can stay home and use online quoting to quickly compare rates.

Most car insurance companies enroll in a system where insurance shoppers only type in their quote data once, and each company provides a quote based on the submitted data. This saves time by eliminating form submissions to each company.

To compare rates now click here to start a free quote.

The only downside to doing it this way is buyers cannot specifically choose the companies you want to price. So if you prefer to pick specific insurance companies to receive pricing from, we put together a list of companies who write car insurance in Rhode Island. View list of Rhode Island insurance companies.

Compare rates however you want, just try to use apples-to-apples coverages and limits for every company. If you enter higher or lower deductibles it’s not possible to determine the lowest rate in Barrington. Just slight variations in coverages may result in large price differences. It’s important to know that comparing a large number of companies provides better odds of finding a lower rate than you’re paying now.

Don’t overlook these car insurance discounts

Auto insurance companies don’t always list every disount available in an easy-to-find place, so the list below details a few of the more well known in addition to some of the lesser obvious ways to save on car insurance. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Early Switch Discount – Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Federal Employees – Employees or retirees of the government may reduce rates when you with certain companies.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
  • 55 and Retired – Older drivers can get a slight reduction on a .
  • Paper-free Discount – Many companies will discount your bill up to fifty bucks for completing your application on their website.

One thing to note about discounts is that some credits don’t apply the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works. But all discounts should help lower your policy cost.

If you would like to view providers with the best car insurance discounts in Rhode Island, click here.

Local insurance agents

Many people still like to sit down and talk to an agent and that is OK! One of the benefits of comparing rates online is you may find cheap car insurance quotes and still have a local agent. And providing support for local agencies is important particularly in Barrington.

Upon completion of this quick form, your insurance coverage information is immediately sent to agents in your area who will give you bids for your coverage. You won’t even need to search for an agent because prices are sent to your email. You’ll get the best rates AND a local agent. If for some reason you want to quote rates from a specific company, you would need to navigate to their website and complete a quote there.

If you would like to find a local insurance agency, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Agents in Barrington are considered either independent or captive depending on the company they work for.

Independent Car Insurance Agencies or Brokers

Independent agencies do not sell for just one brand and that gives them the ability to insure through many companies and get the cheapest rates. If they find a lower price, your agent can just switch to a different company and you stay with the same agent.

If you are comparing rate quotes, you should always get quotes from at a minimum one independent agency to have the best price comparison. Most independent agents also contract with less well-known companies which may provide better rates.

Featured below is a partial list of independent agencies in Barrington that may be able to give you free price quotes.

  • Morse Robert G Insurance – 237 New Meadow Rd – Barrington, RI 02806 – (401) 245-2200
  • Marc J Di Salvo Insurance – 7 George W Finnerty Rd – Barrington, RI 02806 – (401) 245-2264

Captive Insurance Agents

Captive agents are contracted to one company and some examples include State Farm, Allstate, or Farmers Insurance. They are unable to compare other company’s rates so keep that in mind. Captive agents are trained well on sales techniques which helps them sell on service rather than price. Consumers often buy from captive agents partially due to loyalty to the company rather than low rates.

Choosing a insurance agent requires you to look at more than just a cheap quote. Agents should be asked these questions:

Barrington RI auto insurance

  • Which members of your family are coverage by the policy?
  • Is assistance available after office hours?
  • Which company do they place the most coverage with?
  • Can you choose the body shop in case repairs are needed?
  • What are their preferred companies if they are an independent agency?
  • How often do they review coverages?
  • How long has the business existed?

Much more information about car insurance in Rhode Island can be read on the website for the Rhode Island Division of Insurance Regulation found here. Rhode Island drivers can view a list of available companies, read industry bulletins, find disaster information, and learn about specific coverages.

The following information may also be useful.

Smart shoppers get results

Cheaper car insurance can be found online and with local Barrington insurance agents, so get from both of them to have the best rate selection. Some insurance providers may not have online quoting and most of the time these small insurance companies work with local independent agents.

You just learned many ideas to lower your car insurance rates. The key concept to understand is the more you , the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small mutual company.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.