Consumers Guide to Searching for a Narragansett Car Insurance Agent

When buying auto insurance in Narragansett, there are a lot of options and finding the best Rhode Island car insurance agent takes more work than just picking up the phone. You require a great agent that can assess your needs, but also cheap rates.

Multiple car insurance agents compete for your insurance dollar, so it’s not easy to compare every auto insurance agent and uncover the absolute best rate

Your local neighborhood insurance agent

Agents can answer important questions and help file insurance claims. The biggest benefit of comparing rates online is you can get the best rates and still have an agent to talk to.

After filling out this short form, the coverage information is emailed to local insurance agents in Narragansett who will give you bids for your coverage. You won’t need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?!

Choosing an insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:

  • Are there any discounts that you might be missing?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are they full-time agents?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How long has their agency been open in Narragansett?
  • Will their companies depreciate repairs to your car based on the mileage?

Do you need an independent or captive insurance agency?

When finding a good insurance agency, there are a couple of types of agencies from which to choose. Narragansett agents are either independent or captive. While both can write coverage properly, but it’s worth mentioning how they are different since it can impact buying decisions.

Captive Insurance Agents

Captive agencies have only one company to place business with and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable on their company’s products which can be an advantage.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, it’s recommended you contact multiple independent agents to have the most options to choose from.

Below are independent agents in Narragansett willing to provide price quotes.

Rhode Island Insurance Group – – Narragansett, RI 2882 – (401) 783-1212

For a full directory of Narragansett insurance agents, go to this page.

After receiving answers to your satisfaction and an acceptable price quote, most likely you have located an insurance agency that will properly insure your vehicles.

Don’t exclude online companies

Insurance agencies are important to many people, but you also have the option of buying Rhode Island car insurance from companies direct over the internet. Some companies who employ agents also let you quote and buy online, so this should also be taken into consideration.

If you’re worried about choosing your own coverages, don’t be too concerned. Online car insurance companies give you access to trained agents for customer questions. They also have online education and live help anytime you can access prior to buying.

Can online rates save money? It’s difficult to provide an answer since there are many things that impact your rate calculation. It’s logical to say that buying car insurance online saves money because there is no commission. For the majority of companies, however, promoting brand recognition is pricey and this drives up their premium costs.

If you’re trying to save the most money, the best approach to discovering who has the best rates, online companies or local insurance agents, is to take the time to compare rates from both. It’s not unheard of to actually get different prices for the exact same company from their agents and their website. You won’t discover where you can get the lowest rates until after you compare the same coverages from both ways.

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Quote more, save more

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at a price you can afford.

Drivers switch companies for a number of reasons such as high prices, policy cancellation, lack of trust in their agent and an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is not as hard as you think.

Additional detailed information can be found at the Rhode Island Division of Insurance Regulation website. Rhode Island consumers can download brochures, read state legal mandates and laws, file complaints about an insurance agent or broker, and get help finding coverage.