Have you fallen victim to high-priced auto insurance? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.
Multiple auto insurance companies compete for your business, so it can be very hard to choose a provider to discover the definitive best price available.
It’s a good habit to get comparison quotes every six months since rates are usually higher with each renewal. Just because you had the best price two years ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance online but we’re going to give you the easiest ways to find affordable auto insurance.
How to Compare Auto Insurance in West Warwick
To find the best auto insurance prices, there are several ways of comparing rate quotes from auto insurance companies in your area. The quickest method to find the cheapest insurance rates is simply to get online rate quotes. This can be done using a couple different methods.
The fastest way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form keeps you from doing a different quote for each company. Taking the time to complete one form gets you coverage quotes direct from many companies.
Another way to obtain and compare quotes online requires a trip to the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Auto-Owners, Progressive and Farmers. You would have to go to every website and enter your information, which is why most consumers use the first method. For a list of links to insurance companies in West Warwick, click here.
The most time-consuming way to get comparison rates is driving to and from local West Warwick insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you require the trained guidance that only a license agent can provide. Drivers can compare the best prices online and still use a local agent.
Which method you use is up to you, but be sure to compare exactly the same coverage limits and deductibles with each company. If you compare different liability limits it’s impossible to find the best deal in West Warwick. Just a small difference in coverages can result in a big premium difference. Just keep in mind that more quotes helps locate the best offered rates.
Do drivers who switch really save $452 a year?
Companies like State Farm, Allstate and Geico consistently run television and radio advertisements. All the ads make the same claim that you can save if you change to them. How does each company make almost identical claims?
All companies have a preferred profile for the type of customer that earns them a profit. An example of a desirable insured could be between 30 and 50, has no driving citations, and has great credit. A customer who matches those parameters gets the lowest rates and therefore will save when they switch companies.
Consumers who do not match the requirements will be quoted a higher premium which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can confidently advertise the savings.
This emphasizes why it is so important to get a wide range of price quotes. It is impossible to predict which auto insurance company will fit your personal profile best.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-64.jpg" alt="Rhode Island car insurance quote”/>
Companies offer discounts so take them!
Insurance can cost an arm and a leg, but companies offer discounts to cut the cost considerably. Some trigger automatically at quote time, but lesser-known reductions have to be manually applied before you will receive the discount.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
- College Student – Kids in college living away from home attending college and don’t have a car may qualify for this discount.
- Memberships – Being a member of certain professional organizations is a good way to get lower rates on your policy.
- Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with better rates on cars that stay parked.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
- Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.
- Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if you qualify.
- Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than their less cautious counterparts.
As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down your overall premium however.
To choose insurers who offer auto insurance discounts in Rhode Island, follow this link.
Quote online but work with a neighborhood agent
Some consumers just want to get advice from a local agent and that is a personal choice. The best thing about comparing rates online is you can get the best rates and still have an agent to talk to. Supporting local agencies is definitely important in West Warwick.
By using this simple form, your insurance data is instantly submitted to insurance agents in West Warwick who will battle for your business. You never need to leave your computer because quoted prices will be sent immediately to your email address. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.
How to choose the best insurance agency in West Warwick
When finding local West Warwick agents, there are two types of agencies to choose from. Agents are either independent (non-captive) or captive.
Independent agencies are not employed by any specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When shopping rates, we recommend you get quotes from at a minimum one independent agency to have the most options to choose from.
Shown below are West Warwick independent insurance agents that may be able to provide competitive price quotes.
Liberty Mutual Insurance – 1300 Division Rd # 204 – West Warwick, RI 02893 – (401) 885-1634
Liberty Mutual Insurance – 289 Cowesett Ave # 16 – West Warwick, RI 02893 – (401) 828-5219
C O Agency Inc – 1350 Division Rd – West Warwick, RI 02893 – (401) 886-1830
Captive Insurance Agents
Captive agents have only one company to place business with like Allstate, Farmers Insurance, State Farm and AAA. They are unable to provide prices from multiple companies so keep that in mind. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are West Warwick captive insurance agencies who can help you get comparison quotes.
Allstate Insurance – 711 Quaker Ln – West Warwick, RI 02893 – (401) 823-7170
Liberty Mutual Insurance – 289 Cowesett Ave # 16 – West Warwick, RI 02893 – (401) 828-5219
To view a complete directory of West Warwick captive insurance agents, simply jump to this page.
Deciding on an insurance agency shouldn’t rely on just a low price. Any agent should have no problem answering these questions:
- Is assistance available after office hours?
- Which members of your family are coverage by the policy?
- What insurance companies do they recommend if they are an independent agent?
- Do they assist clients in filing claims?
- What will you get paid if your car is a total loss? How is that amount determined?
After receiving positive feedback to any questions you have and locked in a price quote, you may have just found an insurance agency that can properly service your auto insurance policy.
Additional information is available on the website for the Rhode Island Division of Insurance Regulation. Click here for link. Consumers can read state legal mandates and laws, view agent and company licensing information, find disaster information, and view a list of available companies.
Other informative sites include NAIC.org’s Understanding your Policy and this page where you can research West Warwick insurance agents.
As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage only to regret at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
Cost effective auto insurance can be sourced on the web as well as from independent agents in West Warwick, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.