Easy Methods to Pay Less on Cranston Car Insurance

Are you intimidated by the number of car insurance companies in Cranston? Lot's of other consumers are too. There are so many options that it can turn into a ton of work to compare prices.

Why some people pay less for insurance in Cranston

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in lower car insurance prices.

Liability coverage protects you - Liability coverage provides coverage if you are found to be at fault for damages from an accident. Liability insurance provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
Pay less after the wedding - Being married can get you a discount on your policy. Having a spouse is viewed as being more responsible and it's proven that being married results in fewer claims.
How's your driving record? - Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers have lower premiums compared to drivers with tickets. Even one moving violation can increase rates forty percent or more. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Do you qualify for a multi-policy discount? - Many insurers will award you with lower prices to policyholders who buy several policies from them in the form of a multi-policy discount. Even if you're getting this discount you still need to comparison shop to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.
Drive a safer car and pay less - Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and fewer injuries means lower claim amounts and thus lower rates.
Do you need the policy add-ons? - There are a ton of extra coverages that you can get tricked into buying on your policy. Coverages for personal injury protection, accidental death and motor club memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but if you don't need them eliminate them to save money.

More discounts equal less premium

Insurance can cost an arm and a leg, but you may find discounts that you may not know about. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be requested specifically before they will apply.

Organization Discounts - Belonging to a qualifying organization is a good way to get lower rates when buying car insurance.
Multiple Vehicles - Having multiple vehicles with the same company may reduce the rate for each vehicle.
Paperless Signup - Certain companies will give a small break for buying your policy over the internet.
No Charge for an Accident - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It's a savings of about 10%.
Anti-theft Discount - Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren't that generous. Any amount of discount will bring down your premiums.

To choose insurers who offer car insurance discounts in Rhode Island, click here to view.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies make an identical promise about savings after switching to them. How does each company make the same claim?

All companies are able to cherry pick for the type of driver that makes them money. An example of a profitable customer could be over the age of 50, has no driving citations, and has a high credit rating. A customer who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who do not match these standards must pay higher rates and ends up with business going elsewhere. The ads state "customers that switch" not "everyone that quotes" save money. That's the way companies can truthfully state the savings.

This illustrates why you should get quotes from several different companies. Because you never know which car insurance company will have the lowest rates.

Learn more about Rhode Island car insurance

Additional information is available on the Rhode Island Division of Insurance Regulation website located here. Consumers can find out which companies have the most complaints, get help finding coverage, and file complaints about a company.

Affordable insurance is out there

Cheap car insurance can be sourced from both online companies and with local Cranston insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

We just showed you many tips how you can save on car insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from the least-expected company.

People change insurance companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, an unsatisfactory settlement offer or even denial of a claim. It doesn't matter why you want to switch choosing a new insurance company is easier than you think.