Find Cheap Providence Auto Insurance

Are you intimidated by the sheer number of auto insurance choices in Providence? Lot's of other consumers are too. Drivers have so many options that it can turn into a ton of work to find better rates.

It's important to check auto insurance prices every six months since insurance rates are constantly changing. Despite the fact that you may have had the lowest rates a year ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Finding affordable protection in Providence is not that difficult. If you have a current auto insurance policy or need new coverage, you will benefit by learning to get lower rates while maximizing coverage. Rhode Island consumers only need to know the tricks to get comparison quotes over the internet.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that may reward you with lower auto insurance prices.

Teen drivers pay high rates - Teenage drivers in Rhode Island are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are required to spend if you file a covered claim. The higher the amount you're willing to pay, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate that women are safer drivers than men. However, this does not mean women are better drivers. Women and men tend to get into accidents in similar percentages, but the males have costlier accidents. They also have more aggressive citations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and are penalized with high auto insurance rates.
Traffic citations inflate rates - Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation can increase rates forty percent or more. Good drivers receive lower rates compared to drivers with tickets. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with the DMV in their state in order to keep their license.
Better credit means lower rates - Credit history is a large factor in calculating your auto insurance rates. So if your credit is not that good, you could save money insuring your by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.
How many coverages with the same company - Many auto insurance companies will give a discount to people who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you may still want to comparison shop to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.

Comprehensive Providence Auto Insurance Comparison

Reducing your insurance rates is actually quite simple. Just invest a little time comparing price quotes provided by online insurance companies. This can be done using a couple different methods.

The fastest way to get quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for repetitive form submissions for every auto insurance company. Filling out one form will get you rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes requires you to visit each company's website and fill out their own quote form. For instance, let's assume you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method. To view a list of companies in Providence, click here.
The hardest method to get comparison rates is to drive around to and from local Providence insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the trained guidance of a local Providence agent. Drivers can find lower rates online and still use a local agent and we'll touch on that later.

It's up to you how you get prices quotes, just ensure you are comparing identical coverage information for every quote you compare. If you use unequal deductibles or liability limits it will be impossible to determine the best price in Providence.

Take advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you're not getting every credit possible, you are paying more than you should be.

Senior Discount - If you're over the age of 55, you may be able to get reduced rates.
Multiple Vehicles - Insuring multiple vehicles with the same company could earn a price break for each car.
College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Military Rewards - Having a family member in the military may qualify for rate reductions.
Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Organization Discounts - Affiliation with a qualifying organization could trigger savings on auto insurance.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

To choose companies who offer auto insurance discounts in Rhode Island, click this link.

Are auto insurance companies telling the truth?

Rhode Island drivers can't ignore all the ads that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings after switching to them.

How does each company say the same thing?

All companies are able to cherry pick for the type of driver that makes them money. For example, a desirable insured might be profiled as over the age of 50, has no driving citations, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay higher prices which leads to business not being written. Company advertisements say "people who switch" not "people who quote" save money. That's the way companies can truthfully make those claims.

Because of the profiling, you need to get quotes from several different companies. It's not possible to predict which auto insurance company will have the lowest rates.

Additional information can be found on the Rhode Island Division of Insurance Regulation website through this link. Rhode Island drivers can read enforcement actions against agents and companies, report car insurance fraud, and learn about insurance regulations.

Best coverage at the best price

While you're price shopping online, it's very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your aim should be to buy enough coverage at an affordable rate.

The cheapest auto insurance can be bought on the web and with local Providence insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Insureds change insurance companies for many reasons like not issuing a premium refund, lack of trust in their agent, denial of a claim or even high prices. No matter why you want to switch, finding the right auto insurance provider is easier than you think.