Follow These Ultimate Methods for Saving Money on North Kingstown Car Insurance

Shopping for low-cost North Kingstown car insurance over the internet is problematic for consumers not familiar with shopping for insurance online. With so many insurers available, how can anyone possibly compare every one to find the best price?

Where Can I Get Cheap North Kingstown Car Insurance?

All the larger car insurance companies give pricing online. Getting quotes doesn’t take a lot of time as you simply enter your coverage information as detailed in the form. Upon sending the form, the company’s rating system makes automated requests for credit information and your driving record and quotes a price based on these factors.

Online quotes makes comparing rates easy, but having to visit different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to find lower prices.

Quote rates the easy way

A less time-consuming method to lower your car insurance bill makes use of a single form to obtain quotes from many companies. The form is fast, requires much less work on your part, and makes online price comparison much simpler. Immediately after submitting the form, it is quoted and you can select any one of the resulting price quotes.

If you find a better price you can click and sign and buy the policy. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To compare pricing, click here and submit your coverage information. To compare your current rates, we recommend you enter the insurance coverages as shown on your current policy. This helps ensure you will receive comparison quotes using the same coverage and limits.

Can you really save $381 a year?

Rhode Island consumers can’t ignore all the ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the companies make an identical promise that you’ll save big if you switch your coverage to them.

But how can every company make almost identical claims?

All companies have a certain “appetite” for the right customer that is profitable for them. For instance, a preferred risk could possibly be over the age of 40, has no tickets, and has excellent credit. A propective insured who meets those qualifications will get the preferred rates and as a result will probably save quite a bit of money when switching.

Drivers who fall outside this ideal profile will be charged a higher premium which usually ends up with business not being written. The ad wording is “customers that switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can claim big savings.

That is why it is so important to compare many company’s rates. It’s not possible to predict the company that will give you the biggest savings.

Discounts can save BIG

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Most are applied when you complete an application, but some must be asked about prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
• Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
• Seat Belts Save – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
• Discount for Life Insurance – Larger companies have a break if you buy life insurance.
• Federal Government Employee – Active or retired federal employment can save as much as 8% with a few car insurance companies.

It’s important to understand that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will reduce the cost of coverage.

To see a list of providers with discount car insurance rates in North Kingstown, click here.

Additional car insurance information can be found on the Rhode Island Division of Insurance Regulation website located here. Visitors are able to discover disciplinary actions, learn about specific coverages, find a variety of consumer forms, and view agent and company licensing information.

In Summary

Discount car insurance is available from both online companies as well as from independent agents in North Kingstown, and you should compare price quotes from both to have the best selection. Some companies don’t offer online quoting and these regional insurance providers work with independent agents.

When shopping online for car insurance, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced physical damage coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, not issuing a premium refund and even being labeled a high risk driver. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.