Top 7 Ways to Save on Car Insurance in Tiverton, RI
Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than most other car owners in Rhode Island.
Drivers have multiple to buy insurance from, and although it's a good thing to have a choice, it can be more challenging to compare rates.
It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Even if you think you had the best rates a year ago there may be better deals available now. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to stop overpaying for insurance.
Save big with these seven discounts
Companies offering auto insurance don't always publicize all their discounts very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving.
- Save with a New Car - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- No Accidents - Claim-free drivers pay less as compared to frequent claim filers.
- Drive Less and Save - Low mileage vehicles could qualify for a substantially lower rate.
- One Accident Forgiven - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
- Life Insurance Discount - Some companies give a discount if you purchase life insurance.
- Senior Citizens - Older drivers may receive better car insurance rates.
- Multiple Cars - Insuring all your vehicles on one policy may reduce the rate for each vehicle.
Keep in mind that some credits don't apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.
For a list of companies with discount car insurance rates in Rhode Island, click here.
Compare Tiverton Car Insurance Costs
There are several ways to get quotes and find the best price. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in a couple of different ways.
One of the best ways to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. In just a few minutes this one form will get you price quotes from multiple companies.
A more time consuming way to get quotes online requires a visit to the website for each individual company and fill out their own quote form. For example, we'll pretend you want rates from , and . To get each rate you have to visit each site to input your insurance information, which is why the first method is more popular.
To view a list of companies in Tiverton, click here.
Whichever method you choose, ensure you're using identical coverage limits for every quote you compare. If you compare differing limits it's impossible to determine the best price in Tiverton. Slightly different limits may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes helps locate better pricing.
Do the work, save more money
While you're price shopping online, never sacrifice coverage to reduce premiums. In many instances, an accident victim reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford.
Affordable car insurance is attainable both online and also from your neighborhood Tiverton agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.
