How to Know You're Spending Too Much for Car Insurance in Little Compton

Scraping up a payment for overpriced car insurance can overdraw your savings account, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Numerous battle for your business, and because of this it can be hard to compare to discover the definitive lowest rate

It's important to compare rates quite often because rates are constantly changing. Just because you had the best rates last year you can probably find a lower rate today. You can find a lot of wrong information about car insurance on the web, but we're going to give you some great ways to find affordable car insurance.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Little Compton is easy if you know what you're doing. But Rhode Island car owners do need to know the way companies sell insurance online.

Little Compton car insurance quote

Low Cost Little Compton Car Insurance

There are multiple methods to compare car insurance quotes, and some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with insurance companies in Little Compton, or you can stay home and use the web to get pricing more quickly.

The majority of car insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company can give them a price based on that information. This saves time by eliminating quote requests to each individual car insurance company. To submit your quote information now, click to open in new window.

The one disadvantage to doing it this way is you can't choose the providers you want to price. So if you want to choose specific providers to compare prices, we have a page of the cheapest car insurance companies in Rhode Island. Click here for list of insurance companies in Rhode Island.

It's your choice how you get your quotes, but make darn sure you compare the exact same coverages and limits for each price quote. If the quotes have different deductibles it will be very difficult to truly determine the lowest rate in Little Compton. Quoting even small variations in insurance coverages may result in a large different in cost. And when comparison shopping, getting more free quotes will increase your chances of finding a lower rate.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.

  • Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Passive Restraints and Air Bags - Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.
  • Defensive Driver - Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Memberships - Belonging to certain professional organizations is a good way to get lower rates on your policy.
  • Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Student Driver Training - Have your child take driver's ed class in school.
  • No Accidents - Drivers who don't have accidents pay less compared to bad drivers.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of providers offering car insurance discounts in Little Compton, click here to view.

Your personal situation dictates your coverage

When choosing coverage for your personal vehicles, there is no best way to insure your cars. Everyone's situation is unique so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in Rhode Island?
  • Should I file a claim if it's only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Should I buy only the required Rhode Island minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I getting all the discounts available?
  • Are my tools covered if they get stolen from my vehicle?

If you're not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

More sites with car insurance information

More detailed Rhode Island car insurance information can be read at the Rhode Island Division of Insurance Regulation website. Consumers can read consumer alerts, read enforcement actions against agents and companies, file complaints about a company, and discover disciplinary actions.