Buy Low-Cost Smithfield Car Insurance

Expensive car insurance can empty your bank account and make it hard to pay other bills. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. With so many online and local companies to choose from, it's nearly impossible to choose the best car insurance company.

Don't pay full price with these discounts

Car insurance companies don't always publicize every discount very well, so the following is a list of some of the more common and the more hidden ways to save on car insurance. If you don't get every credit you deserve, you're just leaving money on the table.

  • Government Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Braking Control Discount - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Multi-car Discount - Having more than one vehicle on one policy could earn a price break for each car.
  • Defensive Driver - Taking part in a driver safety course could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, car insurance companies aren't that generous.

For a list of insurance companies offering car insurance discounts in Rhode Island, click this link.

Where Can I Get Cheap Smithfield Car Insurance?

Comparing car insurance rates can be challenging if you don't know the most efficient way. You can waste hours talking about coverages with insurance agencies in Smithfield, or you can utilize online quoting to get the quickest rates.

Most car insurance companies enroll in a system that enables customers to enter their policy data once, and each company returns a competitive quote based on that data. This system prevents you from having to do quote requests to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose the companies to get quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of low cost car insurance companies in Rhode Island. Click here for list of insurance companies in Rhode Island.

It doesn't matter which method you choose, just make sure you use apples-to-apples coverage limits and deductibles on every quote you get. If you have different liability limits it will be next to impossible to determine which rate is truly the best in Smithfield.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Rhode Island?
  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to buy high-risk coverage?

If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, free and can provide invaluable advice.

In the end, you save

When you buy insurance online, do not sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just showed you many ideas to get a better price on car insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced car insurance comes from a company that doesn't do a lot of advertising. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as .