Comparing Cheap Saunderstown Car Insurance

Are you tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers in Rhode Island.

Consumers have many to buy insurance from, and although it's nice to have multiple companies, it can be more difficult to compare rates.

It's important to compare rates once or twice a year since rates are constantly changing. Just because you had the lowest price a year ago a different company probably has better rates today. There is too much inaccurate information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

Policy discounts you shouldn't miss

Car insurance companies don't list all their discounts very clearly, so we researched some of the more common and the more hidden car insurance savings.

55 and Retired - If you qualify as a senior citizen, you may qualify for better car insurance rates.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
College Student - Children who are attending college and do not have a car can receive lower rates.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

It's important to note that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you're out of luck.

You have some control over your rates

Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. Knowing what influences your rates enables informed choices that may reward you with big savings.

Are you male or female? - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both have accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Young males are several times more likely to be in an accident and therefore are the most expensive to insure.
Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. These vehicles reduce injuries and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
Tickets mean higher rates - Your driving citation history has a lot to do with how much you pay for insurance. Careful drivers receive lower rates than bad drivers. Just one speeding ticket can boost insurance rates by twenty percent. Drivers who have serious citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Older drivers pay less - Young drivers in Rhode Island are statistically proven to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and are safer drivers.
How credit affects car insurance rates - Credit score is a large factor in your rate calculation. If your credit rating is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with poor credit.
The more you drive the more you pay - The more miles you rack up on your car every year the more you will pay for car insurance. Most insurance companies rate vehicles based on their usage. Vehicles not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your car insurance policy shows how each vehicle is driven, because improper ratings can cost you money.
Your spouse saves you money - Having a wife or husband can actually save you money when buying car insurance. It means you're more mature and it's statistically proven that drivers who are married are more cautious.

Save $429 a year? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing that you can save if you switch to their company. How does each company make the same claim?

All the different companies can use profiling for the driver that earns them a profit. For instance, a desirable insured could be over the age of 50, has no tickets, and has excellent credit. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will have to pay higher premiums which usually ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that much. That's why insurance companies can make those claims. Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

More Rhode Island car insurance information

Additional detailed information is located at the Rhode Island Division of Insurance Regulation website. Consumers can learn about insurance regulations, find disaster information, file complaints about a company, and read enforcement actions against agents and companies.

Final considerations

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and learned later they didn't purchase enough coverage. Your aim should be to purchase a proper amount of coverage at an affordable rate.

You just learned a lot of tips how to reduce car insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may even find the biggest savings come from an unexpected company. Regional companies often have lower prices on specific markets compared to the large companies like .