Do you need a better way to compare the cheapest car insurance rates in Cumberland, RI? Are you a victim of an expensive car insurance policy? Believe me, there are a lot of people in Cumberland just like you who feel imprisoned by their car insurance policy.

Amazingly, the vast majority of consumers kept their policy with the same company for a minimum of four years, and just under half have never quoted car insurance rates at all. Rhode Island drivers could save an average of about 15% each year by just comparing quotes, but they just don't understand the amount of savings they would get if they switch to a new company.

Due to the increasing number of companies and agents to choose from, it can be hard to locate the lowest cost car insurance company.

Finding quotes for the lowest cost policy in Cumberland can be fairly easy. In essence, anyone who is required to buy insurance will probably be able to cut their insurance bill. Although Rhode Island consumers can benefit by having an understanding of how insurance companies sell insurance online because rates fluctuate considerably.

Get discounts on Cumberland insurance

Companies offering auto insurance do not list all available discounts very clearly, so we researched a few of the more common and also the more inconspicuous discounts that may be available. If they aren't giving you every credit you deserve, you are throwing money away.Cheaper insurance with discounts

One thing to note about discounts is that most credits do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

Some of the larger companies that may include some of the discounts shown above include:

When comparing rates, check with every prospective company to apply every possible discount. Some discounts may not apply to policyholders in Cumberland.

The method we recommend to compare rate quotes takes advantage of the fact car insurance companies allow for online access to give free rates quotes. The only thing you need to do is provide information including whether the vehicles are used for commuting, your general credit rating, what you do for a living, and how much school you completed. Your insurance information is instantly sent to multiple auto insurance providers and you should receive rate quotes instantly.

If you would like to compare rates now, click here and find out if lower rates are available in Cumberland.

The car insurance companies shown below can provide price comparisons in Cumberland, RI. If more than one company is shown, we suggest you click on several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Cumberland
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $1,842 $921 $154
Dodge Ram Crew Cab TRX 2WD $1,506 $753 $126
Ford Edge Sport 2WD $1,494 $747 $125
Ford Escape Limited 4WD $994 $497 $83
Ford Explorer XLT 4WD $1,276 $638 $106
Ford F-150 XL Super Cab 2WD $1,002 $501 $84
Ford Focus SES 2-Dr Coupe $1,622 $811 $135
Honda Accord EX 4-Dr Sedan $1,064 $532 $89
Honda CR-V EX-L 2WD $948 $474 $79
Honda Civic EX-L 2-Dr Coupe $1,298 $649 $108
Jeep Grand Cherokee Laredo 4WD $1,550 $775 $129
Nissan Altima 3.5 SR 2-Dr Coupe $1,128 $564 $94
Nissan Rogue SL AWD $1,500 $750 $125
Toyota Camry LE $1,616 $808 $135
Toyota Corolla XLE $1,690 $845 $141
Toyota Prius $1,016 $508 $85
Volkswagen Jetta S 2.5 Station Wagon $1,310 $655 $109
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Price estimates do not factor in your specific Cumberland location which can alter coverage prices greatly.

Poor driving habits will raise your car insurance rates

The illustration below shows how speeding tickets and at-fault fender-benders can increase Toyota Corolla insurance premiums for different categories of driver ages. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductible comparison

The diagram below demonstrates how deductible levels and can raise or lower Ford Escape insurance prices for different age groups. The rates are based on a single female driver, full coverage, and no discounts are taken into consideration.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparing prices from local Cumberland insurance agents

Some consumers just want to get professional advice from a licensed agent and that is a smart decision One of the best bonuses of price shopping on the web is the fact that drivers can get cheap car insurance rates and still have a local agent. And buying from small agencies is important especially in Cumberland.

Insurance agents in CumberlandTo make it easy to find an agent, after completing this form (opens in new window), your insurance data is sent to companies in Cumberland that give free quotes for your coverage. You never need to contact any insurance agencies because quoted prices will be sent to your email. You can find lower rates without the usual hassles of price shopping. If you need to compare rates from a particular provider, don't hesitate to find their quoting web page and complete a quote there.

If you are wanting to purchase car insurance from a reputable agency, it can be helpful to understand the different agency structures and how they function. Agents in Cumberland are either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies or Brokers

Independent agencies often have many company appointments so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If prices rise, an independent agent can move your coverage which is easy for the insured. If you need cheaper car insurance rates, you need to check rates from at least one independent agent to maximize your price options.

Exclusive Agents

Exclusive insurance agents can only quote rates from one company like Allstate, Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so always compare other rates. Exclusive agents are trained well on the products they sell which aids in selling service over price.

Picking an car insurance agent is decision based upon more than just a cheap price quote. Here are some questions you should ask.

If you feel you receive answers to your satisfaction to any questions you may have and locked in a price quote, chances are good that you have found an auto insurance agent that is a good match to properly service your car insurance policy. Just remember you can cancel coverage for any reason so never assume you're contractually obligated to any particular company indefinitely.

Best and worst vehicle claim statistics

What vehicles have the fewest claims? The following claim statistics show the worst and best models for overall likelihood of having to file claims for each type of coverage listed.

Medical Payment Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Chrysler 200
Tesla Model S Chevrolet Sonic
Ford F-350 SuperCrew Nissan Sentra
Land Rover Range Rover Sport Chevrolet Spark
Ford F-250 SuperCrew Hyundai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Collision Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Jeep Wrangler BMW M6
Ford Edge Maserati Ghibli
Smart ForTwo Nissan GT-R
Ford F-250 SuperCab Ferrari 458
Ford F-150 SuperCrew Bently Continental GTC
Mini Cooper Audi RS7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Volvo V60 Bentley Continental GT
Ford F-350 Porsche Panamera GTS
GMC Sierra 2500 Audi S7
Nissan Leaf Maserati Granturismo
Nissan Xterra Bentley Continental GTC
Chevy Silverado 2500 Mercedes-Benz S Class

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Chevrolet Sonic
Audi A6 Kia Rio
Subaru Forester Chevrolet Cruze
Fiat 500 Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Impala
Subaru Outback Kia Optima

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Persistence will pay off

We just presented some good ideas how you can find cheaper coverage online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. Drivers may even discover the most savings is with a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest cost, but don't skip important coverages to save money.

Additional detailed information is located in these articles: