How to Know You're Paying Too Much for Auto Insurance in Newport

No one in their right mind likes having to buy auto insurance, in particular when the cost is way too high.

With consumers having so many companies to choose from, it can be diffult for consumers to pick the lowest cost car insurance company.

Buying car insurance in Newport is quite easy. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Nevertheless, Rhode Island drivers do need to know the way companies market on the web and apply this information to your search.

Finding Auto Insurance in Newport, RI

There are several ways of comparing rate quotes from different Newport insurance companies. The best method to find the cheapest insurance rates is to use the internet to compare rates. This can be done in several different ways.

The recommended way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each company. A single form gets you coverage quotes direct from many companies.
A less efficient way to compare rate quotes consists of going to the website of each company to complete a price quote. For examples sake, let's assume you want to compare , and . You would have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Newport, click here.

It's your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverages for every company. If the quotes have different limits and deductibles on each one you can't possibly decipher which rate is best in Newport. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes provides better odds of finding lower pricing.

Take advantage of discounts

Companies that sell car insurance don't necessarily list every discount very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using.

Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
Multiple Policy Discount - When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
Low Mileage Discounts - Keeping the miles down can earn discounted rates on garaged vehicles.
Military Rewards - Being on active duty in the military can result in better rates.
Accident Forgiveness - Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
Paperwork-free - Some insurance companies will discount your bill up to fifty bucks simply for signing online.
Seat Belts Save - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.

Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates you would end up receiving a 100% discount, companies don't profit that way.

To see a list of insurance companies with the best auto insurance discounts in Rhode Island, click here to view.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's so your insurance should reflect that These are some specific questions might point out whether your personal situation might need an agent's assistance.

Am I covered if I drive in a foreign country?
Am I covered when driving in Canada or Mexico?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
What is the difference between comprehensive and collision coverage?
Am I covered when delivering products for my home-based business?
Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

More tips and info about auto insurance can be found at the Rhode Island Division of Insurance Regulation website. Rhode Island consumers can download brochures, read consumer alerts, discover disciplinary actions, and find disaster information.

Additional helpful sites include this online resource for auto insurance quotes in Rhode Island and this list of insurance agents in Newport.