Easy Techniques to Spend Less on Bristol Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, there are many Bristol consumers feeling the pinch from expensive auto insurance.

Since consumers have many companies and agents to choose from, it can be hard to locate the right company.

You should make it a habit to compare prices occasionally because insurance rates go up and down regularly. Even if you think you had the best price on your last policy you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because I’m going to teach you the proper way to save money, get proper coverage and the best rates.

Buying car insurance in Bristol is not rocket science. Just about everyone who has to buy auto insurance should be able to find better rates. But Rhode Island drivers do need to learn the way insurance companies determine prices and use this information to your advantage.

Comprehensive Bristol Auto Insurance Comparison Quotes

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can waste hours talking to insurance companies in Bristol, or you could save time and use the web to accomplish the same thing much quicker.

Many companies participate in a marketplace that allows shoppers to complete one form, and each company then gives them pricing based on that information. This prevents consumers from doing repetitive form submissions to every company. To compare rates now click to open in new window.

The only downside to doing it this way is you can’t choose the insurers you will receive quotes from. If you wish to select specific insurance companies to compare, we put together a list of low cost auto insurance companies in Rhode Island. Click here for list of insurance companies in Rhode Island.

It’s up to you which method you use, but be sure to compare identical information on every quote. If each company quotes different limits and deductibles on each one then you won’t be able to determine which rate is truly the best in Bristol. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, comparing a large number of companies gives you a better chance of getting better pricing.

Save big with these discounts

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so here is a list both the well known as well as the least known savings tricks you should be using.

• Club Memberships – Belonging to a qualifying organization may earn a discount on your policy.
• Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
• Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Resident Student – Any of your kids who live away from home and do not have a car can receive lower rates.
• Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more than drivers with accidents.
• Seat Belts Save – Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.

Keep in mind that most credits do not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

To choose insurance companies with discount auto insurance rates in Rhode Island, click this link.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions might point out whether your personal situation would benefit from professional advice.

• Do I really need UM/UIM coverage?
• What discounts do I qualify for?
• When should I remove comp and collision on my vehicle?
• Do I benefit by insuring my home with the same company?
• Are my friends covered when driving my vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• Should I have combined single limit or split liability limits?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I buy only the required Rhode Island minimum liability coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

More tips and info about auto insurance can be read at the Rhode Island Division of Insurance Regulation website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, read industry bulletins, and learn about insurance regulations.

Compare but don’t skimp

When buying insurance coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone dropped full coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Discount auto insurance can be purchased on the web and with local Bristol insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.

In this article, we covered many tips how you can lower your auto insurance rates. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the best prices are with some of the smallest insurance companies. These companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.