Free Guide to Spending Less for North Kingstown Car Insurance Online

Did you fall for a flashy sales pitch and buy overpriced car insurance? Trust us when we tell you you are not the only one feeling buyer's remorse.

You have so many to pick from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

The purpose of this post is to help educate you on the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Nevertheless, Rhode Island consumers do need to know the methods companies use to sell insurance online because it can help you find the best coverage.

compare North Kingstown car insurance rates

More discounts equal less premium

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not even be aware of. Most are applied at quote time, but a few must be specially asked for in order for you to get them.

  • Payment Discounts - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Homeowners Discount - Simply owning a home can save you money because owning a home shows financial diligence.
  • Discount for Good Grades - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Life Insurance Discount - Larger companies have a discount if you purchase auto and life insurance together.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Federal Government Employee - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.

It's important to understand that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it doesn't quite work that way. Any qualifying discounts will bring down your premiums.

For a list of insurance companies offering car insurance discounts in Rhode Island, click here.

Compare Quotes for North Kingstown Car Insurance

Most major insurance companies like State Farm, Allstate and GEICO quote coverage price quotes on the web. Getting quotes is fairly simple as you simply type in the coverages you want into the quote form. Once entered, the system will obtain information on your driving record and credit history and generates pricing information based on many factors. This streamlines rate comparisons, but the time it takes to visit different websites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you are searching for a lower rate.

A more efficient way to lower your rates is to use a quote form that gets prices from several companies at one time. It's a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, it is quoted and you can choose any one of the quotes that you receive.

If a lower price is quoted, you simply finish the application and buy the new coverage. It can be completed in a matter of minutes and can result in significant savings.

To find out how much you're overpaying now, click here and input your coverage information. If you have coverage now, it's recommended you copy your coverages exactly as they are listed on your policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

Shop smart and save

Low-cost car insurance is available both online as well as from independent agents in North Kingstown, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don't offer online quoting and these small, regional companies work with independent agents.

We just covered a lot of techniques to get a better price on car insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with some of the lesser-known companies. These companies can often provide lower rates in certain areas as compared to the big name companies such as .