Free Guide to Saving Money on Johnston Auto Insurance Online

Are you sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other Rhode Island drivers. Drivers have so many to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that could result in lower auto insurance prices.

The following are a few of the "ingredients" used by your company to calculate premiums.

Safer occupants lowers premiums - Cars with high safety ratings are cheaper to insure. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates.
Equipment add-ons that lower auto insurance rates - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Marriage brings a discount - Having a spouse can get you a discount when buying auto insurance. Having a spouse translates into being more responsible it has been statistically shown that drivers who are married are more cautious.
Liability coverage is cheap - Liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. It will provide for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
Multi-policy discounts can save money - Many companies will award you with lower prices to customers who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to verify if the discount is saving money. You may still find better rates by insuring with multiple companies.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations such as lawyers, architects and financial analysts have higher average rates in part from high stress levels and lengthy work days. Conversely, professions such as farmers, engineers and performers get better rates.
With age comes lower rates - Teen drivers in Rhode Island are known to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, tend to file fewer claims and receive fewer citations.

Take advantage of discounts

Companies offering auto insurance don't always advertise all available discounts very clearly, so we break down both well-publicized and the harder-to-find auto insurance savings. If you're not getting every credit available, you are paying more than you should be.

Fewer Miles Equal More Savings - Fewer annual miles can earn lower rates on the low mileage vehicles.
Payment Method - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Paperless Signup - Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
Organization Discounts - Participating in a qualifying organization could qualify you for a break when buying auto insurance.
Auto/Home Discount - If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
Claim Free - Claim-free drivers can save substantially when compared with accident-prone drivers.

A little note about advertised discounts, most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, you won't be that lucky.

To choose insurers who offer auto insurance discounts in Rhode Island, follow this link.

Are auto insurance companies telling the truth?

Rhode Island consumers can't ignore all the ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. All the companies say the same thing about savings after switching your coverage to them.

How does each company make almost identical claims? This is how they do it.

All companies can use profiling for the type of customer that makes them money. For example, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and chooses high deductibles. A customer getting a price quote who fits that profile receives the best rates and most likely will save when switching.

Potential customers who don't qualify for these standards must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that much money. That's why companies can truthfully state the savings. This illustrates why you should get a wide range of price quotes. It's impossible to know the company that will give you the biggest savings.

Even more information can be found at the Rhode Island Division of Insurance Regulation website. Rhode Island consumers can find disaster information, view a list of available companies, get help finding coverage, and find out which companies have the most complaints.

Best coverage at the best price

Cheaper auto insurance can be sourced online as well as from independent agents in Johnston, and you should compare price quotes from both to have the best rate selection. Some insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.