Finding the Best Insurance Agency in North Kingstown

When finding a good insurance agent in North Kingstown, RI, we recommend you do an initial search by getting online comparison quotes instead of making phone calls. Consumers require a friendly agent, but also competitive car insurance rates.

Because you have many options, it can be challenging to find the most cost effective car insurance company.

Comparing rates from local agents

Licensed agents can help determine the best coverages and help in the event of a claim. The biggest benefit of price shopping on the web is that you can obtain lower rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, your information is transmitted to agents in your area who will give you bids for your coverage. There is no need to leave your house since price quotes are sent to your email. How’s that for easy!

Picking an insurance agency should depend on more than just the premium amount. Some important questions to ask are:

  • Do the coverages you’re quoting properly cover your vehicle?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If your car is totalled, how to they determine the replacement cost?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Who are their largest clients?

What type of North Kingstown insurance agency is right for you?

If you’re trying to find local North Kingstown agents, you must know there are a couple different agency structures to choose from. Insurance agencies in North Kingstown are classified as either captive or independent. Both types can insure your vehicles, but it’s worth learning the differences since it may influence buying decisions.

Captive Agents

Captive agents have only one company to place business with such as Allstate, State Farm and Farmers Insurance. These agents are not able to place coverage with different providers so always compare other rates. These agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage. Consumers frequently purchase coverage from captives mainly due to loyalty to the company and strong financial ratings.

Independent Agencies or Brokers

Independent agencies are not required to write business for one company but rather can write business with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with different regional companies who may have lower rates.

The following is a short list of independent insurance agents in North Kingstown who can help you get price quotes.

  • Revens Gates Insurance Inc – 1130 Ten Rod Rd # 201 – North Kingstown, RI 02852 – (401) 884-1520
  • Student Insurance Advisor – 33 Sunnybrook Dr – North Kingstown, RI 02852 – (401) 885-1135
  • Kehoe/Cross Agency – 6310 Post Rd – North Kingstown, RI 02852 – (401) 886-7771
  • Abrams Agency Inc – 6828 Post Rd – North Kingstown, RI 02852 – (401) 294-1211

To view a full list of licensed insurance agents in North Kingstown, go to this page.

Once you have received reasonable responses for all questions you ask and locked in a price quote, you have narrowed it down to an insurance agency that meets your needs to provide car insurance coverage.

Keep your options open

Insurance agencies are important to many people, but Rhode Island car insurance can also be bought direct from companies that only sell online. Some companies like State Farm and Allstate who sell through the agent channel also permit you to buy direct online, so this should also be taken into consideration to possibly find a better rate.

If you’re uneasy about not having an insurance agent’s advice when shopping online, don’t sweat it. Car insurance companies give you access to trained agents to help you decide which coverages are appropriate.

Is car insurance cheaper online? It’s hard to say exactly since companies use quite a few components that determine the price you pay. Some people think that buying direct saves money by not requiring a commission. In many cases, marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.

And the best car insurance company is…

Discount car insurance can be sourced both online as well as from independent agents in North Kingstown, so compare prices from both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, you should never buy poor coverage just to save money. There have been many cases where drivers have reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

best Rhode Island insurance agency

Additional car insurance links

More detailed Rhode Island car insurance information can be read at the Rhode Island Division of Insurance Regulation website. Visitors are able to learn about specific coverages, find out which companies have the most complaints, and find disaster information.

The articles below may also help you learn more about car insurance in North Kingstown