Searching for the most affordable Warwick auto insurance on the internet may be somewhat difficult for consumers not familiar with shopping for insurance online. Since there are so many companies competing online, how can consumers even start to compare them all to find the lowest price?
You need to check auto insurance prices at least once a year due to the fact that insurance rates tend to go up over time. Just because you had the lowest rates a year ago you will most likely find a better rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the easiest way to find great coverage at a great price.
Finding the best rates in Warwick is easy if you know what you’re doing. If you have a current auto insurance policy or need new coverage, you will benefit by learning to cut your premiums and possibly find even better coverage. Rhode Island consumers only need an understanding of the proper way to compare company rates on the web.
Quick Warwick Auto Insurance Quotes
Shopping for lower auto insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking about coverages with agents in Warwick, or you could save time and use online quoting to get rates in a matter of minutes.
The majority of car insurance companies take part in a program where insurance shoppers only type in their quote data once, and at least one company provides a quote based on that data. This prevents consumers from doing repetitive form submissions for every auto insurance company.
To find out how much you’re overpaying now click here to start a free quote.
The one downside to using this type of system is you can’t choose which providers you will receive quotes from. So if you prefer to choose from a list of companies to compare rates, we have a listing of companies who write auto insurance in Rhode Island. Click here to view list.
It’s your choice how you get your quotes, but make absolute certain that you use the exact same deductibles and coverage limits for each price quote. If you enter different values for each quote then you won’t be able to truly determine the lowest rate in Warwick.
Ads can be misleading
Consumers in Rhode Island constantly see and hear ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the ads make the same claim about savings if you switch your coverage to them.
How does each company claim to save you money?
All companies have a certain “appetite” for the driver that makes them money. An example of a desirable insured might be profiled as between 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.
Drivers who don’t meet these standards will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That’s the way companies can make those claims. That is why drivers should get a wide range of price quotes. It is impossible to predict the company that will fit your personal profile best.
Smart Consumers Save More
An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.
- Your auto insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Careers like judges, executives and stock brokers have the highest rates due to high stress and long work hours. On the other hand, professions such as scientists, students and performers get better rates.
- Men fork out a little more – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. They both tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like DUI and reckless driving.
- How your age affects price – Teen drivers in Rhode Island are statistically proven to be more careless when behind the wheel so auto insurance rates are higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
- Always keep insurance in force – Allowing your auto insurance policy to lapse is a sure-fire way to increase your auto insurance rates. Not only will rates go up, but being ticketed for driving with no insurance may earn you a license revocation or jail time.Then you may be required to file a SR-22 with the Rhode Island DMV.
- Your car’s features help determine rates – Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
- Better crash test results mean better rates – Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.
- Little extras can really add up – There are a ton of add-on coverages that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and term life insurance may be costing you every month. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
Don’t miss these discounts
Auto insurance companies do not list all their discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Auto/Life Discount – Some companies give better rates if you take out a life insurance policy as well.
- Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
- Fewer Miles Equal More Savings – Driving fewer miles can qualify you for a substantially lower rate.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% with certain companies.
- Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
- Distant Student – Children who are attending college and do not have a car may qualify for this discount.
Keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.
For a list of providers with discount auto insurance rates in Rhode Island, click here.
Quote often and quote early
Cheaper auto insurance is definitely available from both online companies and with local Warwick insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these small, regional companies work with independent agents.
Consumers who switch companies do it for many reasons like being labeled a high risk driver, lack of trust in their agent, delays in responding to claim requests or policy cancellation. It doesn’t matter what your reason, finding a new auto insurance company can be less work than you think.
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. There are a lot of situations where consumers will sacrifice liability coverage limits and learned later that it was a big mistake. Your aim should be to buy enough coverage for the lowest price.
Additional detailed information is located at the Rhode Island Division of Insurance Regulation website. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, find disaster information, and view a list of available companies.