How to Find the Best Price on Smithfield, RI Car Insurance

Have you had enough of not being able to afford to insure your vehicles every month? You’re in the same situation as the majority of other car owners in Rhode Island. Since consumers have many companies to choose from, it’s difficult to locate the most affordable car insurance company.

It’s a good habit to take a look at other company’s rates occasionally because prices change regularly. Even if you think you had the lowest price two years ago the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about car insurance because you’re going to get a crash course in one of the quickest ways to find lower rates on car insurance.

Buying car insurance in Smithfield is not rocket science. If you have a policy now or are looking for a new policy, you can use this information to find the best rates and still get good coverage. Rhode Island drivers only need an understanding of the most effective way to compare price quotes online.

Compare Smithfield Car Insurance Costs

Shopping for lower car insurance rates can be a daunting task if you aren’t aware of the fastest way to get free quotes. You can spend countless hours talking to agents in Smithfield, or you can utilize online quotes to get the quickest rates.

All the larger companies participate in an industry program that allows shoppers to submit their information once, and every company can give them a price based on that information. This eliminates the need for repetitive form submissions for every car insurance company.

To find out how much you can save on car insurance click to open in new window.

The single downside to using this type of system is you can’t choose the providers you want pricing from. If you prefer to choose specific providers to compare prices, we have a page of companies who write car insurance in Rhode Island. Click here to view list.

Whichever way you use, ensure you’re using identical quote information for every quote you compare. If you compare mixed coverages it will be impossible to make a fair comparison in Smithfield.lower rates in Smithfield

Slick advertising tricks that work

Rhode Island drivers constantly see and hear ads for car insurance savings from the likes of Allstate and Progressive. All the ads say the same thing about savings if you change your coverage to them.

But how can every company say the same thing? This is how they do it.

All companies can use profiling for the right customer that makes them money. A good example of a preferred risk might be between the ages of 30 and 50, owns a home, and has a high credit rating. Any driver who matches those parameters receives the best rates and most likely will save when they switch companies.

Potential customers who don’t qualify for these standards will be charged higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently make the claims of big savings. That is why drivers should compare as many rates as you can. It is impossible to predict which company will provide you with the cheapest rates.

Discounts are great for lower rates

Companies do not advertise every available discount very clearly, so here is a list both well-publicized and also the lesser-known car insurance savings. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • No Claims – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates so long as you haven’t had any claims for a set time period.
  • Life Insurance – Some companies give a discount if you purchase life insurance.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.

Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

To choose companies who offer car insurance discounts in Smithfield, click this link.

lower rates in Smithfield

Additional detailed information is available at the Rhode Island Division of Insurance Regulation website. Visitors are able to download brochures, file complaints about a company, and get help finding coverage.

Also read more on’s auto insurance page and this page where you can research Smithfield insurance agents.

Affordable insurance is out there

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 compared to the large companies like Allstate, GEICO and Progressive.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage only to find out that it was a big mistake. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.