Top Ways to Save on West Greenwich Auto Insurance

Expensive auto insurance can empty your savings account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to make sure you're not throwing money away.

Drivers have so many to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices quite often since insurance rates are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all their discounts very clearly, so the following is a list of some of the best known and the more hidden ways to save on auto insurance.

Sign Online - A few companies give back up to $50 for buying your policy over the internet.
College Student - Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Own a Home - Owning a house in West Greenwich may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Clubs and Organizations - Affiliation with a qualifying organization could trigger savings on auto insurance.

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren't that generous.

How do I know if I need professional advice?

When it comes to buying coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different so this has to be addressed. For example, these questions may help you determine whether or not you might need an agent's assistance.

Does medical payments coverage apply to all occupants?
Do I pay less if my vehicle is kept in my garage?
What are the financial responsibility laws in Rhode Island?
Does my policy cover my teen driver if they drive my company car?
Do I have any recourse if my insurance company denies a claim?
Am I getting all the discounts available?
What can I do if my company won't pay a claim?
Am I covered when driving on a suspended license?

If it's difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Is there truth in advertising?

Auto insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make the same claim about savings after switching your coverage to them. How does each company say the same thing?

Insurance companies have a preferred profile for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay a more expensive rate which leads to business not being written. The ads state "people who switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully claim big savings. Because of the profiling, you should get quotes from several different companies. It's not possible to predict which insurance companies will give you the biggest savings.

More sites with auto insurance information

Even more information can be read at the Rhode Island Division of Insurance Regulation website. Rhode Island drivers can get help finding coverage, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.

Affordable insurance is out there

Cheap auto insurance can be purchased on the web as well as from independent agents in West Greenwich, and you should compare price quotes from both to have the best rate selection. A few companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. Your aim should be to buy a smart amount of coverage at an affordable rate.