Want to know how to find low-cost auto insurance rates in Barrington, RI? Buying cheaper quotes on the web can be intimidating for people new to comparing prices online. Since there are so many online companies, how are people able to even start to compare them all to find the cheapest available price?

A recent NerdWallet.com study revealed that almost 70% of drivers in Rhode Island kept their policy with the same company for well over three years, and 38% of drivers have never even shopped around for cheaper coverage. Drivers in America could save themselves up to $860 a year by just comparing quotes, but they don't know how much money they would save if they replace their high priced policy.

To get low cost Barrington auto insurance quotes, there a variety of ways to obtain and compare prices from all the different companies. The easiest way to find the cheapest insurance rates is simply to get online rate quotes.

Just remember that making a lot of price comparisons will increase your chances of finding a lower rate.

The companies shown below offer price quotes in Rhode Island. If multiple providers are shown, it's highly recommended you visit as many as you can in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Barrington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $976 $488 $81
Chevrolet Silverado LS Crew Cab 2WD $1,564 $782 $130
Dodge Grand Caravan Crew $1,246 $623 $104
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,440 $720 $120
Ford Edge Limited AWD $1,130 $565 $94
Ford Escape XLS 4WD $890 $445 $74
Ford Explorer XLT 4WD $1,204 $602 $100
Ford F-150 FX2 2WD $1,424 $712 $119
Ford Focus SE 4-Dr Sedan $1,402 $701 $117
Honda Accord LX-P 4-Dr Sedan $1,472 $736 $123
Honda CR-V LX 4WD $1,038 $519 $87
Honda Civic DX 2-Dr Coupe $1,124 $562 $94
Honda Odyssey EX-L W/Rear Entertainment $1,494 $747 $125
Jeep Grand Cherokee Laredo 2WD $1,090 $545 $91
Nissan Altima 3.5 SR 2-Dr Coupe $1,334 $667 $111
Toyota Camry SE $1,336 $668 $111
Toyota Corolla S $1,530 $765 $128
Toyota Prius $886 $443 $74
Toyota Tacoma 2WD $1,302 $651 $109
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific Barrington garaging location which can affect prices substantially.

Can higher deductibles save money?

One of the most common auto insurance questions is at what level do you set your deductibles. The data tables below may help you to understand the cost difference between low and high policy deductibles. The first set of prices uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Accord insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $304 $518 $344 $20 $104 $1,315 $110
Accord LX 4-Dr Sedan $304 $518 $344 $20 $104 $1,315 $110
Accord EX 4-Dr Sedan $304 $518 $344 $20 $104 $1,315 $110
Accord LX-P 4-Dr Sedan $304 $518 $344 $20 $104 $1,315 $110
Accord LX-P 4-Dr Sedan $304 $518 $344 $20 $104 $1,315 $110
Accord EX-L 4-Dr Sedan $350 $630 $344 $20 $104 $1,473 $123
Accord EX 2-Dr Coupe $350 $744 $458 $28 $138 $1,743 $145
Accord LX-S 2-Dr Coupe $350 $744 $458 $28 $138 $1,743 $145
Accord EX-L 2-Dr Coupe $394 $744 $458 $28 $138 $1,787 $149
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $222 $350 $344 $20 $104 $1,040 $87
Accord LX 4-Dr Sedan $222 $350 $344 $20 $104 $1,040 $87
Accord EX 4-Dr Sedan $222 $350 $344 $20 $104 $1,040 $87
Accord LX-P 4-Dr Sedan $222 $350 $344 $20 $104 $1,040 $87
Accord LX-P 4-Dr Sedan $222 $350 $344 $20 $104 $1,040 $87
Accord EX-L 4-Dr Sedan $254 $426 $344 $20 $104 $1,148 $96
Accord EX 2-Dr Coupe $254 $502 $458 $28 $138 $1,380 $115
Accord LX-S 2-Dr Coupe $254 $502 $458 $28 $138 $1,380 $115
Accord EX-L 2-Dr Coupe $288 $502 $458 $28 $138 $1,414 $118
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can alter premium rates significantly.

We can estimate from the data above that using a $100 deductible will cost you roughly $26 more each month or $312 every year than buying the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 15 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Price comparison of only insuring for liability

The information below examines Honda Civic car insurance rates with full physical damage coverage compared to only buying liability only. The prices are based on a clean driving record, no claims, $500 deductibles, married female driver, and no discounts are taken into consideration.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you pay for full coverage or liability only?

There is no definitive formula of when to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your Honda Civic replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after you pay the deductible. If you are currently paying more than $600 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Get cheaper auto insurance with discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before they will apply.Cheaper auto insurance with discounts

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it's possible to get free car insurance, you won't be that lucky.

A list of auto insurance companies and some of their more popular discounts are:

Double check with all companies you are considering which discounts they offer. Some discounts may not apply to policies everywhere. If you would like to view insurance companies who offer auto insurance discounts in Rhode Island, click here to view.

Lower Barrington insurance costs

Many different elements are part of the calculation when you quote your car insurance policy. Some are obvious like your driving record, although others are less obvious like your continuous coverage or how financially stable you are. When buying insurance it's important to understand some of the elements that play a part in calculating the rates you pay for insurance. If you have a feel for what determines premiums, this allows you to make educated decisions that may reward you with big savings.

The list below includes a few of the things companies use to determine rates.

When to have guidance from a local insurance agent

Many drivers would rather get advice from a local agent and doing that can be a smart decision One of the great benefits of getting free rate quotes online is the fact that drivers can get cheaper prices but also keep your business local.

Insurance agency in BarringtonTo find an agent, once you fill out this quick form, your insurance coverage information is immediately sent to agents in your area who want to provide quotes for your insurance coverage. There is no need to visit any agencies since rate quotes are delivered to the email address you provide. Get lower rates without having to waste a lot of time. If you wish to compare prices from a particular provider, you just need to navigate to their website and fill out the quote form the provide.

Picking the best insurer requires more thought than just the bottom line cost. Any agent in Barrington should be forthright in answering these questions:

What is the best auto insurance coverage?

When quoting and choosing your policy for your personal vehicles, there is no "perfect" insurance plan. Your financial needs are unique.Auto insurance savings

For example, these questions might help in determining if you may require specific advice.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Get the best coverage at the best price

The cheapest car insurance in Barrington can be purchased both online and with local Barrington insurance agents, so you need to quote Barrington auto insurance with both in order to have the best chance of saving money. Some insurance companies do not provide rates over the internet and many times these small, regional companies only sell coverage through local independent agents.

We just presented some good ideas how to get a better price on car insurance in Barrington. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers may even find the biggest savings come from a lesser-known regional company.

While you're price shopping online, it's not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage only to regret at claim time that they should have had better coverage. The aim is to buy enough coverage for the lowest cost while not skimping on critical coverages.

Additional car insurance information is available on the following sites: