Top Tips to Find the Best Insurance Agent in Warwick

If you’re trying to find an insurance agent in Warwick, Rhode Island, it’s recommended you start your search on the web to save yourself time. There is a good chance you’re wanting a good agent that listens to you, but you also want to find the best rates possible.

With insurance companies like State Farm, Allstate and many independent agents all competing for business in Warwick, it’s hard to tell which one will provide you with the cheapest rates and the best coverage. To begin, it’s easy to use insurance quotes online to build a list of insurance agents and price estimates.

Best way to find Warwick agents

Insurance agents can help determine the best coverages and help file insurance claims. The best thing about comparing insurance prices online is you can get the lowest rates but also keep your business local. And supporting small agencies is definitely important in Warwick.

Once you complete this simple form, your insurance data gets sent to participating agents in Warwick who will compete to get your business. You never need to even leave your home because quoted prices will be sent to the email address you provide. Now that’s easy! You’ll get the best rates and an insurance agent to talk to.

Pick the best auto insurance agent in Warwick for you

If you’re trying to find an insurance agent, you need to know there are two types of insurance agents from which to choose. Warwick agents can either be independent or captive.

Independent Agents (or Brokers)

Independent agencies do not work for one specific company but instead can place your coverage with many different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.

When comparison shopping, you should always contact multiple independent agents for the best price selection. Most have the option of insuring with smaller companies which may provide better rates.

Below are independent agents in Warwick that are able to give competitive price quotes.

  • Charissma Brokerage Agency Inc – 240 Chestnut St # 5 – Warwick, RI 02888 – (401) 781-0888
  • Continental Agency – 1045 Warwick Ave # 201 – Warwick, RI 02888 – (401) 467-1183
  • James R Smith Insurance LTD – 3670 W Shore Rd – Warwick, RI 02886 – (401) 921-4460
  • Tim Leyden Financial Insurance – 3657 Post Rd – Warwick, RI 02886 – (401) 739-4000
  • Cloutier Agency Inc – 2028 Warwick Ave – Warwick, RI 02889 – (401) 736-8800
Captive Insurance Agents

Captive agents write business for a single company like Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Captives are trained well on their products and sales techniques which can be an advantage. Consumers frequently buy from captive agents mostly because of the brand legacy and strong financial ratings.

Shown below is a short list of captive agencies in Warwick willing to provide price quotes.

  • Allstate Insurance Co – 1845 Post Rd # B – Warwick, RI 02886 – (401) 732-1919

For a full directory of car insurance agents in Warwick, view this link.

Selecting a car insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:

  • Can they provide you with a list of referrals?
  • How are claims handled?
  • Is the agency involved in supporting local community causes?
  • How long has their agency been open in Warwick?
  • Do the companies they represent have a solid financial rating?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Once you have positive responses to these questions in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that is a good match to properly service your car insurance policy.

Online auto insurance companies

Professional insurance agents are perfect for certain consumers, but Rhode Island drivers can also buy direct from companies online. Some specific companies who have local agents in Warwick also allow consumers to buy online, and consumers should do that if you want to do it yourself.

If you’re apprehensive about choosing your own coverages when shopping online, this really isn’t an issue. Online companies that allow you to purchase coverage all have toll-free customer service for getting the best coverage. You can also use help pages and frequently asked questions that can help answer basic questions.

Is pricing better online? The answer is complex because there are a lot of things that influence how your policy is priced. Some people will tell you that buying direct saves money because there is no commission. But the fact is, it’s expensive to advertise and that can quickly cost more than paying an agent.

A little work can save a LOT of money

Cheap car insurance is definitely available from both online companies and also from your neighborhood Warwick agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

People leave their current company for any number of reasons including lack of trust in their agent, policy non-renewal, poor customer service or even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Warwick agents

For more information

Much more information about car insurance in Rhode Island can be found on the Rhode Island Division of Insurance Regulation website located here. Rhode Island consumers can view agent and company licensing information, read state legal mandates and laws, report car insurance fraud, and find out which companies have the most complaints.

The following information may also be useful.