6 Discounts Central Falls Drivers Forget when Comparing Car Insurance

If you've never shopped for car insurance online, you may be confused by the vast number of car insurance companies vying for business in Central Falls.

Finding Car Insurance in Central Falls, RI

Lowering your car insurance rates isn't really that difficult. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be accomplished using a couple different methods.

  • The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form eliminates the need for separate quotes to each individual car insurance company. A single form will return price quotes instantly. This is by far the quickest method.
  • A more time consuming way to shop for car insurance online consists of visiting the website of each company and fill out their own quote form. For instance, let's assume you want to compare , and . To find out each rate you need to go to every website to enter your coverage information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Central Falls, click here.
  • The least recommended method of comparing rate quotes is to waste gas driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you have a need for the trained guidance only provided by licensed Central Falls agents. However, consumers can get prices online but buy from a local insurance agent and we'll cover that in a bit.

It's your choice how you get your quotes, but make absolute certain that you use apples-to-apples deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote it will be very difficult to determine the best price in Central Falls.

compare Central Falls car insurance rates

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique.

For example, these questions might point out whether your personal situation might need an agent's assistance.

  • Am I covered when pulling a rental trailer?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Do I pay less if my vehicle is kept in my garage?
  • When does my teenage driver need to be added to my policy?
  • Should I buy additional glass protection?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

A tidy conclusion

People who switch companies do it for any number of reasons including unfair underwriting practices, policy non-renewal, policy cancellation or lack of trust in their agent. No matter why you want to switch, switching car insurance companies is actually quite simple.

When shopping online for car insurance, do not skimp on critical coverages to save a buck or two. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Cheap car insurance is possible both online as well as from independent agents in Central Falls, and you should compare price quotes from both so you have a total pricing picture. Some car insurance companies don't offer the ability to get a quote online and these regional insurance providers work with independent agents.