Is Your Cranston Rhode Island Car Insurance Too High? Learn How to Lower Your Rates

If online car insurance comparisons are new to you, you may be confused due to the large number of online car insurance companies and websites vying for business in Cranston.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but you may find discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but some must be requested specifically in order for you to get them.

  • No Accidents – Claim-free drivers can earn big discounts as compared to accident-prone drivers.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Multiple Cars – Having all your vehicles on the same car insurance policy could earn a price break for each car.
  • Drivers Education – Require your teen driver to take driver’s ed class if offered at their school.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% depending on your company.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky. But all discounts will cut the cost of coverage.

To see a list of providers with discount car insurance rates in Cranston, click here.

Lower the Price of Insurance with These Tips

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in better car insurance money concept

  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability provides legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • The type of vehicle makes a difference – The type of car you drive makes a huge difference in how high your rates are. The most favorable rates tend to be for economy passenger cars, but the final cost of insurance is determined by many other factors.
  • Optional equipment can affect rates – Driving a car with an alarm system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Mature drivers pay less – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets. Teenage drivers tend to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a sure-fire way to increase your car insurance rates. And not only will your rates increase, but not being able to provide proof of insurance may earn you a revoked license or a big fine.Then you may be required to file a SR-22 with the Rhode Island motor vehicle department.
  • Safer occupants lowers premiums – Cars with high safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when it comes to car insurance. Drivers in populated areas tend to have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.

Insurance agents can help

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Do I need to file an SR-22 for a DUI in Rhode Island?
  • Can I afford low physical damage deductibles?
  • At what point should I drop full coverage?
  • Are my friends covered when driving my vehicle?
  • How can I get high-risk coverage after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered when driving on a suspended license?
  • Why is insurance for a teen driver so high in Cranston?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

More information can be read on the Rhode Island Division of Insurance Regulation website. Click here for link. Visitors are able to report car insurance fraud, learn about specific coverages, learn about insurance regulations, and file complaints about a company.

A tidy conclusion

Consumers who switch companies do it for many reasons like extreme rates for teen drivers, lack of trust in their agent, delays in paying claims and even unfair underwriting practices. Whatever your reason, choosing a new company is pretty easy and you might even save some money in the process.

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You just read some good ideas how you can get a better price on car insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with a small local company.

Cheap car insurance is attainable both online and also from your neighborhood Cranston agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.