Has it been over a year since you last compared quotes for more competitive car insurance rates in North Kingstown, RI? Locating cheaper insurance for a new or used car in Rhode Island can turn out to be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to shop for car insurance so you're going to learn the best way to quote coverages on a and locate the lowest price.

Don't overlook these eight auto insurance discounts

Auto insurance can be pricey, but you might find some hidden discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time of quoting, but some need to be manually applied before they will apply.Cheaper auto insurance with discounts

Drivers should understand that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it's possible to get free car insurance, companies wouldn't make money that way.

A few popular companies and a summarized list of policyholder discounts are included below.

If you need the cheapest North Kingstown auto insurance quotes, ask all companies you are considering the best way to save money. Some of the discounts discussed earlier may not apply in North Kingstown. If you would like to choose from a list of providers who offer online auto insurance quotes in Rhode Island, follow this link.

All major car insurance companies such as Allstate, GEICO and Progressive allow you to get price estimates directly from their websites. Getting car insurance prices online doesn't take much effort as you just enter your coverage preferences as detailed in the form. When the form is submitted, their system orders your driving and credit reports and generates a price based on the data you entered.

This makes it a lot easier to compare rates and it is important to perform this step if you are searching for the best rate.

To quickly find out if lower rates are available, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you type in the coverages exactly as they are listed on your policy. This helps ensure you will have an apples-to-apples comparison based on identical coverages.

The companies in the list below are our best choices to provide free quotes in Rhode Island. If more than one company is shown, we suggest you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in North Kingstown
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $1,012 $506 $84
Dodge Ram Crew Cab ST 4WD $1,218 $609 $102
Ford Escape Limited 4WD $992 $496 $83
Ford F-150 Lariat King Ranch 2WD $1,152 $576 $96
Ford Focus SES 2-Dr Coupe $1,376 $688 $115
Honda Accord EX-L 2-Dr Coupe $1,568 $784 $131
Honda CR-V EX 2WD $1,064 $532 $89
Honda Civic LX 4-Dr Sedan $974 $487 $81
Jeep Grand Cherokee Limited 4WD $1,336 $668 $111
Mazda 3 S Grand Touring 4-Dr Hatchback $1,180 $590 $98
Nissan Altima 3.5 SR 4-Dr Sedan $1,342 $671 $112
Nissan Rogue S 2WD $1,372 $686 $114
Toyota Camry XLE $1,306 $653 $109
Toyota Corolla XLE $1,194 $597 $100
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Rhode Island minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location information which can lower or raise prices greatly.

Price comparison of only insuring for liability

The information below examines Chevrolet Tahoe insurance prices with full phyical damage coverage and with liability coverage only. The price estimates are based on no claims or driving violations, $250 deductibles, single female driver, and no discounts are taken into consideration.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop full coverage

There is no clear-cut rule for excluding full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your Chevrolet Tahoe claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If premiums are more than $400 a year to have full coverage, then it may be the right time to buy liability only.

There are some situations where only buying liability is not in your best interest. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Car insurance rates by age and gender

The illustration below shows the comparison of insurance costs for male and female drivers in North Kingstown. The prices are based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied on a Chevrolet Malibu Hybrid.

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

Your insurance coverage should be tailored to you

When it comes to the best insurance coverage, there really isn't a one-size-fits-all type of policy. Everyone's needs are different.Insurance savings

Here are some questions about coverages that might help in determining whether you would benefit from an agent's advice.

If you can't answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Buying from auto insurance agents

Many people still like to talk to a local agent and often times that is recommended Good agents can answer important questions and will help you if you have claims. A good thing about getting free rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to.

Insurance agents in North KingstownTo find an agent, once you fill out this form (opens in new window), your coverage information is emailed to local insurance agents that provide free North Kingstown auto insurance quotes for your coverage. There is no need to find an agent since rate quotes are delivered directly to your email. If you have a need to compare prices from one company in particular, don't hesitate to go to their quote page and fill out their quote form.

Finding the right company should include more criteria than just the premium amount. These are some questions you should get answers to.

What types of auto insurance agents are in North Kingstown?

If you need to find a good insurance agency, it helps to know the two types of agencies and how they operate. Agencies in North Kingstown are either independent or exclusive depending on the company they work for. Both types can properly insure your vehicles, but it's important to point out the differences because it can influence your selection of an agent.

Exclusive Auto Insurance Agencies

Agents that choose to be exclusive generally can only insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on their products and sales techniques which helps them compete with independent agents. Some people will only buy from the same agent for years partially due to the brand rather than having low rates.

Independent Auto Insurance Agencies

Independent insurance agents are not restricted to one company and that is an advantage because they can write policies through many different auto insurance companies and find the cheapest rate. If prices rise, your agent can switch companies and you don't have to switch agencies.

When searching for an agent, we recommend you compare quotes from at least one independent agent in order to compare the most rates. Many write coverage with additional companies that you may not be familiar with that many times have cheaper rates.

If you get good responses to these questions and a good coverage price, you may have found an insurance agent that is reputable and can adequately provide auto insurance. But remember, consumers can cancel a policy any time you want so never feel that you're stuck with a policy with no way to switch.

Car insurance specifics

Knowing the specifics of your car insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance covers damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper Nissan GT-R
Chevrolet Colorado Audi RS7
Ford F-150 SuperCrew Bently Continental GT
Smart ForTwo BMW M6
GMC Canyon Maserati Ghibli
Nissan Xterra Ferrari 458

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

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, damage from a tornado or hurricane, hitting a bird and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Lowest and Highest Car Insurance Comprehensive Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Smart ForTwo BMW M6
Chevy Spark BMW M6
GMC Sierra 2500 Maserati Granturismo
Chevy Silverado 2500 Audi S7
Infiniti QX50 Mercedes-Benz S Class
Volvo V60 Bentley Continental GTC

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

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, EMT expenses, X-ray expenses, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Vehicle Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Nissan Versa
Audi A4 Allroad Hyundai Accent
Chevrolet Silverado 3500 Nissan Sentra
Land Rover Range Rover Sport Chevrolet Sonic
Ford F-350 SuperCrew Dodge Charger
Chevrolet Corvette Chevrolet Spark

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

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your vehicle.

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

Liability coverages

This protects you from injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things such as funeral expenses, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Rhode Island state law requires minimum liability limits of 25/50/25 but it's recommended drivers buy more coverage.

Car Insurance Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Acura MDX Kia Optima
Audi A6 Chevrolet Impala
Subaru Forester Mitsubishi Lancer
Fiat 500 Chrysler 200
Chevrolet Corvette Kia Rio
Mercedes-Benz SL Class Chevrolet Cruze

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

Don't give up on cheap coverage

Lower-priced auto insurance in North Kingstown is definitely available online and with local North Kingstown insurance agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide internet price quotes and usually these smaller companies sell through independent insurance agencies.

Drivers leave their current company for any number of reasons including poor customer service, policy cancellation, delays in paying claims or an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

When getting North Kingstown auto insurance quotes online, do not buy less coverage just to save a little money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret they didn't have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Much more information about auto insurance in Rhode Island can be read at these links: