Car Insurance in Manville - 7 Discounts You Might be Losing Out On

I can't think of anyone who looks forward to paying for car insurance, particularly when they are paying too much.

Companies like GEICO and Progressive continually hit you with ads and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates periodically since rates are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to put money back in your pocket.

How much can you save with these seven discounts?

Companies offering auto insurance don't always list all their discounts in a way that's easy to find, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

Bundle and Save - If you have multiple policies with one company you may earn at least 10% off all policies.
Early Signing - Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
Federal Employees - Active or retired federal employment could cut as much as 10% off with select insurance companies.
College Student - Youth drivers living away from home attending college and do not have a car can receive lower rates.
Sign Online - A few companies may give you up to $50 just for signing your application digitally online.
Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount on car insurance.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.

Keep in mind that some credits don't apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, it just doesn't work that way.

How much car insurance do I need?

When it comes to buying coverage for your vehicles, there really is not a "best" method to buy coverage. Every insured's situation is different and your policy should reflect that. For example, these questions may help highlight if your insurance needs will benefit from professional help.

What are the best liability limits?
Does my car insurance cover rental cars?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Manville?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim that you can save if you switch to their company. How can each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. Any new insured that hits that "sweet spot" receives the best rates and is almost guaranteed to save when they switch companies.

Potential customers who don't meet the requirements will have to pay higher prices and this can result in the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how insurance companies can claim big savings. Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which company will give you the biggest savings.

Additional Rhode Island consumer information

Additional detailed information can be read at the Rhode Island Division of Insurance Regulation website. Visitors are able to view agent and company licensing information, file complaints about a company, read consumer alerts, and download brochures.

Final considerations

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped collision coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest price.

We just covered a lot of ways to reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from a lesser-known regional company. Regional companies can often insure niche markets at a lower cost compared to the large companies like .