To find a good insurance agent in Central Falls, Rhode Island, you can always do an initial search by getting online comparison quotes instead of making phone calls. For this article’s sake, it’s assumed you’re not only searching for a highly trained agent, but also the best rates possible.
With companies like independent agents, Allstate and State Farm having local Central Falls offices, it’s hard to tell which provider will give you the lowest rates and best service. To begin, you can use online quotes to build a list of insurance agencies and thier coverage prices.
Working with a local agent
Professional agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is the fact that you can find the best rates and still have an agent to talk to. Buying from local agencies is important particularly in Central Falls.
To make it easy to find an agent, after completing this quick form, your coverage information is emailed to participating agents in Central Falls who will battle for your coverage. You won’t need to leave your computer due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Choose an insurance agent wisely
When finding local Central Falls agents, you need to know there are two different agency structures that differ in how they can insure your vehicles. Central Falls agents are either independent (non-captive) or captive. Either one can write coverage properly, but it’s good to learn how they differ since it may influence the type of agent you choose
Independent Agents
Independent agencies do not work for one specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.
When shopping rates, it’s recommended you get quotes from at least one independent agent to get the best comparison.
The following is a short list of independent agents in Central Falls that may be able to provide price quotes.
Zoraida Yepes Insurance – 590 Dexter St – Central Falls, RI 02863 – (401) 729-8065
Mc Lain Insurance – 412 Broad St – Central Falls, RI 02863 – (401) 475-4122
Captive Agents
Captive agencies can only write with one company such as Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are well schooled on the products they sell and that can be a competitive advantage.
The following are captive agents in Central Falls willing to provide price quotes.
Allstate Insurance Co – 661 Dexter St – Central Falls, RI 02863 – (401) 725-2560
For a complete listing of car insurance agents in Central Falls, please click here.
Choosing an auto insurance agent should depend on more than just a cheap price. Some important questions to ask are:
- What insurance company do they write the most business with?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How much can you save by raising your physical damage deductibles?
- How often do they review policy coverages?
- Did they already check your driving record and credit reports?
- Does the agency have a good rating with the Better Business Bureau?
- Can glass repairs be made at your home?
Once you have acceptable answers for all questions you ask and locked in a price quote, you’ve probably found a car insurance agent that can service your policy.
What if I want to shop online?
Licensed agents can be invaluable at times, but you can also find affordable Rhode Island auto insurance direct from companies that only sell online. Certain auto insurance companies like Allstate and State Farm that sell primarily through agents also permit you to buy a policy online, so that should be considered if you’re trying to lower your rates.
If you’re uncomfortable with not getting advice from an agent when shopping online, this is expected but don’t let that bother you. All companies that require consumers to choose their own coverages all have toll-free customer service to answer your questions. You may also access live help and 24/7 access to help you answer questions.
Can you find lower rates online? The answer is complex due to the fact that there are many factors that impact your premium. Some people will tell you that going direct reduces premiums because there is no agent. But truthfully, advertising budgets are huge so rates may not be all that different from traditional agents.
Additional car insurance information can be found on the website for the Rhode Island Division of Insurance Regulation through this link. Rhode Island consumers can view agent and company licensing information, learn about insurance regulations, file complaints about a company, and discover disciplinary actions.
The following articles may also be useful.
- Discover the Secrets to Cheaper Central Falls Rhode Island Car Insurance
- Professional Advice on Lower Central Falls Auto Insurance
More effort can pay off
Drivers who switch companies do it for a number of reasons such as unfair underwriting practices, high rates after DUI convictions, high prices or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
Discount car insurance is definitely available both online as well as from independent agents in Central Falls, and you need to comparison shop both to have the best rate selection. A few companies don’t offer online quoting and these smaller companies work with independent agents.
