Tightwads Guide for Saving on East Greenwich, RI Car Insurance

Beginners to price shopping insurance online will discover shopping for the lowest-priced East Greenwich car insurance quite challenging.

Compare the Market for Car Insurance in East Greenwich

The are a couple different ways of comparing price quotes and find the best price. The easiest way by far to compare insurance prices consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

The most efficient way consumers can analyze rates is a comparison rater form click to view form in new window. This method eliminates the need for separate quotes for every car insurance company. Completing one form will return price quotes from multiple companies. It’s the fastest way to compare.

A more time consuming way to compare prices consists of going to each individual company website to request a price quote. For sake of this example, we’ll pretend you want to compare GEICO, Allstate and Liberty Mutual. To find out each rate you need to visit each site to input your insurance information, and that’s why the first method is more popular.

For a handy list of car insurance company links in East Greenwich, click here.

The most time-consuming method of comparing rate quotes is to spend time driving to different East Greenwich agent offices. Shopping for car insurance online can eliminate the need for a local agent unless you want the professional guidance only provided by licensed East Greenwich agents. It is possible to price shop your coverage online and still use a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage limits for every quote you compare. If your comparisons have different values for each quote you will not be able to decipher which rate is best in East Greenwich. Quoting even small variations in insurance coverages may cause a big price difference. And when comparing car insurance rates, know that more quotes gives you a better chance of getting a better price.

Discounts are available to cut your rates

Companies don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance.

• Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
• Lower Rates for Military – Being deployed with a military unit can result in better rates.
• Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
• Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than their less cautious counterparts.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way.

More tips and info about car insurance is located at the Rhode Island Division of Insurance Regulation website. Rhode Island consumers can read consumer alerts, download brochures, read enforcement actions against agents and companies, and view a list of available companies.

Also read more on FindNewCarInsurance.com and this page where you can research East Greenwich insurance agents.