Would you like to save money by finding more competitive insurance rates in Central Falls, RI? Pricey insurance in Central Falls can drain your accounts and force you to cut corners elsewhere. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Astonishing but true, most insurance buyers renewed their policy with the same company for over three years, and practically 40% of insurance customers have never compared rate quotes at all. Many drivers in Rhode Island can cut their rates by as much as $200 a year by just comparing quotes, but they just don't understand the amount of money they would save if they switch to a new company. You have so many car insurance companies to choose from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the lowest cost provider.

You need to check insurance prices periodically due to the fact that insurance prices go up and down regularly. Even if you got the best price on insurance a year ago there may be better deals available now. You'll find quite a bit of inaccurate information about insurance on the web, but by reading this article, you're going to learn some great ways to lower your insurance premiums.

Getting cheaper car insurance pricing is a great way to save money. You just need to take a couple of minutes comparing free Central Falls auto insurance quotes from online providers.

Online shopping is fast and free, and it makes it a waste of time to spend your day driving to and from local Central Falls insurance agencies. Buying insurance online can eliminate the need for a local agent unless you have a complicated situation and need the professional abilities of a local agency. It is possible with some companies compare the best prices online and still use a local Central Falls agent.

The companies in the list below are ready to provide quotes in Rhode Island. If multiple companies are shown, it's highly recommended you get rate quotes from several of them to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Central Falls
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $1,354 $677 $113
Chevrolet Silverado LTZ Crew Cab 4WD $1,012 $506 $84
Dodge Grand Caravan SE $1,204 $602 $100
Dodge Ram Quad Cab ST 2WD $1,152 $576 $96
Ford Escape XLS 2WD $798 $399 $67
Ford Explorer Limited 2WD $1,376 $688 $115
Ford F-150 XLT Regular Cab 4WD $1,122 $561 $94
Ford Focus SE 2-Dr Coupe $1,550 $775 $129
Honda Accord EX 2-Dr Coupe $1,380 $690 $115
Honda CR-V LX 2WD $910 $455 $76
Honda Civic EX-L 4-Dr Sedan $1,798 $899 $150
Jeep Grand Cherokee SRT-8 4WD $1,750 $875 $146
Nissan Altima 2.5 4-Dr Sedan $1,276 $638 $106
Nissan Rogue SL 2WD $1,150 $575 $96
Toyota Camry SE $1,130 $565 $94
Toyota Corolla XRS $1,334 $667 $111
Toyota Prius $1,162 $581 $97
Volkswagen Jetta 2.0T 4-Dr Sedan $1,196 $598 $100
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in vehicle garaging location which can revise premium rates substantially.

Yearly car insurance costs for men versus women

The illustration below illustrates the difference between car insurance rates for male and female drivers in Burrillville. The premium estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied on a Kia Optima LX.

Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Don't listen to company ads

Rhode Island consumers can't get away from ads that promise big savings from the likes of State Farm and Allstate. All the ads state the claim about savings if you just switch to them.

That's great but how can every company give you a lower rate on auto insurance? This is how they do it.

Insurance companies quote the lowest rates for the right customer that makes them money. A good example of this type of driver should be between the ages of 40 and 55, carries high limits, and drives a lower-performance vehicle. Someone that matches those criteria will get very good Central Falls car insurance rates and will probably save if they switch.

Drivers who may not quite match the requirements must pay higher premiums and the driver buying from a lower-cost company. If you pay close attention to the ads, they say "drivers who switch" but not "all drivers who get quotes" save that much when switching. That's the way insurance companies can state the savings. This really illustrates why drivers should quote coverage with many companies. It's not possible to predict with any certainty which company will give you the biggest savings.

Auto insurance does more than just protect your car

Despite the high cost, buying auto insurance may be mandatory for several reasons.

The benefits of having auto insurance more than offset the price you pay, particularly if you ever have a claim. But the average driver in Rhode Island overpays more than $750 every year so you should quote and compare rates once a year at a minimum to ensure rates are inline.

Affordable rates on insurance with these five insurance discounts

Companies don't always list the entire discount list in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find credits that may apply to you.Cheaper insurance with discounts

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn't stay in business.

To see a list of insurance companies who offer cheap insurance quotes in Central Falls in Rhode Island, follow this link.

Auto insurance can get complicated

Always remember that when buying insurance from an agent or online for your vehicles, there really is not a cookie cutter policy. Everyone's situation is unique.Higher deductibles save money

Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

If you can't answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverage considerations

Knowing the specifics of auto insurance can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Collision protection

This coverage pays for damage to your vehicle caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses for things like rehabilitation expenses, pain medications, X-ray expenses, nursing services and hospital visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your vehicle.

Since many Rhode Island drivers only purchase the least amount of liability that is required (25/50/25 in Rhode Island), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability insurance

Liability insurance will cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn't cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like legal defense fees, loss of income, emergency aid, medical expenses and bail bonds. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible. Rhode Island requires minimum liability limits of 25/50/25 but drivers should carry higher limits.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Auto insurance overall losses by make and model

Which vehicle models have severe claims? The statistics below outline the good and bad cars and trucks for the probability of having claims orgainized by coverage.

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claims Highest Claims
Ford Edge BMW M6
Mini Cooper Nissan GT-R
Ford F-150 SuperCrew Bently Continental GTC
Smart ForTwo Maserati Ghibli
Chevrolet Colorado Bentley Continental Flying Spur
Nissan Xterra Audi RS7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Chevrolet Corvette Hyundai Accent
Ford F-250 SuperCrew Chevrolet Spark
Chevrolet Silverado 3500 Dodge Charger
Chevrolet Silverado 2500 Mitsubishi Lancer
Land Rover Range Rover Sport Chevrolet Sonic
Ford Expedition Nissan Versa

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Volvo XC60 Kia Optima
Audi A6 Hyndai Accent
Chevrolet Corvette Chevrolet Sonic
Subaru Forester Chevrolet Cruze
Subaru Outback Dodge Charger
Fiat 500 Kia Rio

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Smart ForTwo BMW M6
Nissan Xterra Bentley Continental GT
Volvo V60 Maserati Granturismo
GMC Sierra 2500 Porsche Panamera GTS
Infiniti QX50 Bentley Continental GTC
Chevy Silverado 2500 Audi S7

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistent drivers can save

We just presented a lot of ways to lower your insurance prices in Central Falls. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheap Central Falls auto insurance quotes. Drivers may even discover the biggest savings come from a lesser-known regional company.

People change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, high rates after DUI convictions and even unfair underwriting practices. It doesn't matter what your reason, finding a new insurance company can be less work than you think.

When you buy Central Falls auto insurance online, you should never buy less coverage just to save a little money. Too many times, someone dropped full coverage to discover at claim time they didn't purchase enough coverage. Your objective should be to buy a smart amount of coverage at the best price.

Additional insurance information is available at the links below