Buying the cheapest Woonsocket car insurance over the internet can seem to be intimidating for beginners to buying insurance online. With such a large number of insurers available, how can Woonsocket drivers even start to compare every one to find the best price?
Car Insurance Prices in Woonsocket
The are a couple different ways to compare quotes from local in Woonsocketcar insurance companies. One of the best ways to compare insurance prices consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
The recommended way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form keeps you from doing repetitive form entry for each company. One quote request gets you price quotes from all major companies. This is by far the quickest method.
A different way to obtain and compare quotes online requires a visit to the website for each individual company and fill out their own quote form. For examples sake, we’ll assume you want comparison quotes from Farmers, Progressive and Liberty Mutual. To get rate quotes you would need to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in Woonsocket, click here.
Whichever way you use, ensure you’re using the exact same coverages and limits for every company. If you have differing limits then you won’t be able to decipher which rate is best in Woonsocket. Having just a slight variation in coverage limits could mean much higher rates. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find a better price.
Cut your premium with discounts
The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but a few need to be specifically requested prior to getting the savings.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
- E-sign – Some insurance companies will give a small break simply for signing online.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less than drivers with accident claims.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums.
- Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a set time period.
- Auto/Home Discount – If you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
- Fewer Miles Equal More Savings – Fewer annual miles could be rewarded with better rates on cars that stay parked.
- Lower Rates for Military – Having a deployed family member can result in better rates.
Keep in mind that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way. But all discounts will cut the amount you have to pay.
To see a list of companies offering car insurance discounts in Woonsocket, click this link.
Additional Rhode Island car insurance resources
Much more information about car insurance in Rhode Island is located on the Rhode Island Division of Insurance Regulation website. Click here for link. Rhode Island consumers can find disaster information, read consumer alerts, and file complaints about an insurance agent or broker.