Harmony Auto Insurance For Less Than You're Paying Now

If you are a novice to online auto insurance shopping, it's easy to be confused by the sheer number of auto insurance companies offering coverage in Harmony.

The purpose of this post is to introduce you to how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. But Rhode Island drivers do need to know the way insurance companies sell online and apply this information to your search.

You have some control over your rates

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that will entitle you to big savings.

Shown below are a few of the "ingredients" auto insurance companies consider when setting prices.

High numbers of claims are not good - Companies in Rhode Island generally give lower rates to people who are claim-free. If you file claims often, you can expect either policy cancellation or increased premiums. Insurance coverage is designed for larger claims.
More than one policy can earn a discount - Some insurance companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to comparison shop to ensure the best deal.
Don't sacrifice liability coverage - Your policy's liability coverage is the coverage that protects you when a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Having a spouse can save you money - Having a spouse helps lower the price on auto insurance. Having a significant other means you're more mature than a single person and it's proven that married couples file fewer claims.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be inquired about before you will receive the discount.

Federal Employees - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Multiple Cars - Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
Paperwork-free - A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Safety Course Discount - Taking part in a course in driver safety can save you 5% or more if your company offers it.
Passive Restraint Discount - Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
Save over 55 - If you're over the age of 55, you may receive better auto insurance rates.
Organization Discounts - Participating in a qualifying organization may earn a discount when shopping for auto insurance.
No Accidents - Good drivers with no accidents can save substantially when compared to accident-prone drivers.

Drivers should understand that some credits don't apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

To choose insurance companies with discount auto insurance rates in Rhode Island, click here.

Is there truth in advertising?

Auto insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all have a common claim that you'll save big if you change to their company. How does each company make almost identical claims?

All the different companies have a certain "appetite" for the driver that makes them money. For example, a driver they prefer could possibly be a mature driver, owns a home, and has great credit. A customer getting a price quote that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted higher premiums and this can result in the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much. That is how companies can advertise the savings.

This emphasizes why you should get as many quotes as possible. It's impossible to know which company will fit your personal profile best.

How do I know if I need professional advice?

When buying the right insurance coverage for your vehicles, there isn't really a cookie cutter policy. Everyone's situation is a little different.

For example, these questions might point out whether or not you would benefit from professional advice.

Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
Am I covered if I wreck a rental car?
Does my liability insurance cover pulling a trailer or camper?
Am I covered when driving on a suspended license?
What are the financial responsibility laws in Rhode Island?
I have good health insurance, so how much medical payments coverage do I need?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

For more Rhode Island car insurance information

Much more information about auto insurance in Rhode Island can be found on the Rhode Island Division of Insurance Regulation website located here. Rhode Island consumers can download brochures, read consumer alerts, and find out which companies have the most complaints.

Final considerations

Drivers leave their current company for a number of reasons such as extreme rates for teen drivers, policy cancellation, lack of trust in their agent or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is easier than you think.

When you buy insurance online, never buy poor coverage just to save money. There are too many instances where an insured cut physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Budget-conscious auto insurance can be sourced online and also from your neighborhood Harmony agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.