Buy Cheaper Portsmouth Auto Insurance

Paying for high-priced auto insurance can empty your bank account and force you to make sacrifices. Comparison shopping is a smart way to tighten up your finances. Lots of contend for your insurance dollar, and because of this it can be hard to compare to find the absolute lowest price

auto insurance in Portsmouth

Don't pay full price with these discounts

Car insurance companies don't list all available discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known auto insurance savings. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Safety Course Discount - Taking part in a course in driver safety could cut 5% off your bill depending on where you live.
  • Save over 55 - Older drivers may receive reduced rates.
  • Fewer Miles Equal More Savings - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Club Memberships - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
  • Own a Home - Owning a home in Portsmouth may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Discount for Swiching Early - Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won't be that lucky.

For a list of insurers with discount auto insurance rates in Portsmouth, follow this link.

Free Quotes for Auto Insurance in Portsmouth, Rhode Island

There are multiple methods to compare auto insurance quotes, but some are easier and takes less work. You can waste hours driving to agents in Portsmouth, or you could save time and use the internet to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program that enables customers to only type in their quote data once, and each company provides a quote determined by their information. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to pricing coverage this way is you can't choose the companies to get pricing from. So if you want to choose specific insurance companies for rate comparison, we put together a list of auto insurance companies in Rhode Island. Click here to view list.

Which method you use is up to you, but make darn sure you compare the exact same coverage limits with every price quote. If your comparisons have differing limits it's impossible to find the best deal in Portsmouth.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone's situation is a little different and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine whether or not you might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Best coverage at the best price

Cheaper auto insurance is attainable online and with local Portsmouth insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, never sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of information how to get a better price on auto insurance. It's most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from some of the lesser-known companies. These companies may cover specific market segments cheaper as compared to the big name companies such as .