Easy Methods to Pay Less on Pawtucket Car Insurance

Searching for the lowest cost Pawtucket car insurance online may be difficult for consumers new to comparison shopping online. With so many online companies available, how can consumers have a chance to compare the different rates to find the best price?

It's important to check car insurance prices quite often because rates are constantly changing. If you had the best rates a year ago there may be better deals available now. Don't believe everything you read about car insurance online, so we're going to give you some great ways to stop overpaying for insurance.

Finding the best rates in Pawtucket is easy if you know what you're doing. If you have car insurance now, you will be able to reduce your rates substantially using this strategy. But Rhode Island car owners do need to know the way companies market on the web.

Rhode Island car insurance

These discounts can lower your rates

Companies don't list every available discount very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • 55 and Retired - Older drivers can possibly qualify for reduced rates.
  • Government Employees - Simply working for the federal government can save as much as 8% with certain companies.
  • Multi-policy Discount - When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Sign Early and Save - Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • New Car Discount - Adding a new car to your policy can save up to 30% since new cars are generally safer.

Consumers should know that some credits don't apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though it sounds like it's possible to get free car insurance, companies don't profit that way.

For a list of providers with the best car insurance discounts in Rhode Island, click here.

Free Quotes for Car Insurance in Pawtucket, Rhode Island

Most major insurance companies like State Farm and Allstate give prices for coverage online. The process is fairly straightforward as you simply enter your coverage information as detailed in the form. Once entered, their rating system will obtain your driving and credit reports and quotes a price based on these and other factors.

This makes comparing rates easy, but having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it's very important to have as many quotes as possible in order to get better car insurance pricing.

A more efficient way to locate the lowest prices utilizes a single form that analyzes rates from several different companies. The form is fast, eliminates repetitive work, and makes quoting online a lot less work. After your information is entered, your coverage is rated and you are able to buy any one of the quotes that you receive. If a lower price is quoted, it's easy to complete the application and buy the policy. This process can be completed in a matter of minutes and may result in a nice savings.

If you want to find out what other companies charge, click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you enter the coverages identical to your current policy. This helps ensure you will receive a fair comparison based on identical coverages.

Different people need different coverages

When it comes to choosing coverage for your personal vehicles, there isn't really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether you might need an agent's assistance.

  • Do I need to file an SR-22 for a DUI in Rhode Island?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need PIP (personal injury protection) coverage in Rhode Island?

If you can't answer these questions but one or more may apply to you, you may need to chat with an agent. If you don't have a local agent, take a second and complete this form.

Affordable insurance is out there

We just showed you a lot of ways to get a better price on car insurance. The key concept to understand is the more you quote, the better your comparison will be. Consumers may even find the lowest rates come from the least-expected company.

While you're price shopping online, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Drivers who switch companies do it for a number of reasons such as poor customer service, denial of a claim, high rates after DUI convictions and policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.