To find a good East Providence agent, you can always do the preliminary legwork on the internet instead of calling around. Consumers need a professional licensed agent, and also the cheapest rates you can possibly find.
You have so many insurance agencies to choose from, and although it’s a good thing to have multiple companies, it can be more difficult to find the best rates for your vehicles.
Best way to find East Providence agents
Good agents are trained to spot inefficiencies and help in the event of a claim. The best thing about price shopping on the web is the fact that you can find lower rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to participating agents in East Providence who will compete to get your business. There is no need to leave your house due to the fact that quote results will go to your email. Now that’s easy! Get lower rates AND an agent nearby.
Choosing an insurance agent shouldn’t rely on just a cheap price. Agents should be asked these questions:
- How long has their agency been in business in East Providence?
- How many years of experience in personal lines insurance coverages do they have?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Did they already check your driving record and credit reports?
- Who is covered by the car insurance policy?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are you getting all the discounts the company offers?
- What insurance companies do they recommend if they are an independent agent?
Two different types of insurance agencies
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different types of agents to choose from. East Providence agents are classified as either captive or independent (non-captive).
Captive Insurance Agents
These agents have only one company to place business with like Allstate, Farmers Insurance or State Farm. They generally cannot shop your coverage around so always compare other rates. Captive agents are very knowledgeable on their company’s products which can be an advantage. Some consumers prefer to buy from captive agents primarily because of high brand loyalty and the convenience of having all coverages with one company.
Shown below are captive insurance agents in East Providence willing to provide rate quotes.
- Allstate Insurance Co – 569 Warren Ave – East Providence, RI 02914 – (401) 434-5737
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When shopping rates, we recommend you contact at a minimum one independent agency for the best price selection. Many write coverage with different regional companies which can save you money.
The following is a list of independent insurance agencies in East Providence that can give you price quotes.
- Sewell Agency – 494 Warren Ave – East Providence, RI 02914 – (401) 434-2010
- Federated Insurance – 508 Warren Ave – East Providence, RI 02914 – (401) 438-0041
- Coe-Hosford Agency Inc – 2740 Pawtucket Ave # 2 – East Providence, RI 02914 – (401) 431-1440
- Lezaola Insurance – 896 Broadway – East Providence, RI 02914 – (401) 434-7203
- Shannon Agency – 400 Massasoit Ave # 104 – East Providence, RI 02914 – (401) 431-0065
For a full directory of insurance agents in East Providence, simply jump to this page.
After getting satisfactory answers to all your questions and a low price estimate, you may have just found an insurance agent that will service your policy.
Can you buy online and save?
Car insurance agents are important to many people, but you can also buy Rhode Island car insurance directly from online companies. Some specific companies like State Farm and Allstate who sell through agents in East Providence also give you the ability to quote and buy online, so keep that in mind.
If you’re uncomfortable with not having an agent to talk to when buying car insurance direct, this really isn’t an issue. Car insurance companies all have toll-free customer service you can use to get advice on coverages.
Is auto insurance cheaper online? Whether or not you’ll save is impossible to say because there are many components that influence the price you pay. Some people will tell you that a consumer who buys direct saves by not paying a commission. But that assumption is generally incorrect because there are very high advertising costs and this drives up their premium costs.
Smart shoppers get results
As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later that it was a big mistake. The aim is to find the BEST coverage at the best price, not the least amount of coverage.
Cheap auto insurance is attainable online as well as from independent agents in East Providence, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.
Even more information is available at the Rhode Island Division of Insurance Regulation website. Rhode Island drivers can find out which companies have the most complaints, view agent and company licensing information, learn about specific coverages, and file complaints about an insurance agent or broker.
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