How to Know You're Paying Too Much for Car Insurance in Jamestown

I can't think of anyone who enjoys paying for car insurance, especially when they are paying too much.

Because you have many online and local companies to choose from, it's difficult to pick the cheapest insurer.

Buying the lowest cost protection in Jamestown is simple if you know the tricks. Essentially everyone who is required by state law to have car insurance will be able to cut their insurance bill. But Rhode Island car owners do need to know how the larger insurance companies sell online and take advantage of how the system works.

compare Jamestown car insurance rates

Car Insurance Comparison Rates in Jamestown, RI

Effectively comparing car insurance prices can take time and effort if you aren't aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in Jamestown, or you can stay home and use the web for quick rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and at least one company provides a quote. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. So if you prefer to choose individual companies to request quotes from, we have a page of the cheapest car insurance companies in Rhode Island. Click to view list.

It's up to you which method you use, but be sure to compare apples-to-apples quote information for each comparison quote. If you compare mixed coverages you will not be able to determine the lowest rate in Jamestown. Quoting even small variations in insurance coverages may result in large price differences. Keep in mind that comparing more company's prices gives you a better chance of getting the best offered rates.

Don't pay full price with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before being credited.

  • Lower Rates for Military - Being on active duty in the military may qualify for rate reductions.
  • Good Student - A discount for being a good student can save 20 to 25%. The discount lasts well after school through age 25.
  • Accident Forgiveness - Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Early Switch Discount - Select companies give a discount for switching to them before your current expiration date. It's a savings of about 10%.
  • Passive Restraints and Air Bags - Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
  • Claim Free - Good drivers with no accidents can earn big discounts when compared to bad drivers.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Seat Belts Save - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy qualifies for this discount.

Drivers should understand that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will help reduce your premiums.

To see a list of insurance companies who offer car insurance discounts in Rhode Island, click here to view.

Your personal situation dictates your coverage

When choosing proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every insured's situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • 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?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?

If you're not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Much more information about car insurance in Rhode Island is available on the website for the Rhode Island Division of Insurance Regulation. Click here for link. Consumers can find disaster information, file complaints about a company, learn about insurance regulations, and learn about specific coverages.

Additional helpful sites include this page for car insurance prices in Rhode Island and this page of Jamestown insurance agents.