Using the Web to Find the Best Insurance Agent in Coventry

If you’re looking for a good Coventry agent, you can start your search online to save yourself time. You need a good professional insurance agent, but also cheap rates.

Drivers have so many auto insurance agents to choose from, and although it’s nice to be able to choose, it can be more difficult to find a good deal.

Online price comparisons from Coventry agents

Educated insurance agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rates online is you may find lower rates and still have an agent to talk to.

To find an agent, once you fill out this short form, your insurance data is emailed to agents in your area who will return price quotes for your business. You never need to even leave your home due to the fact that quote results will go directly to your email. How cool is that?! You can find better rates and a licensed agent to work with.

Deciding on an insurance agent requires more thought than just the premium amount. Agents should be asked these questions:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is assistance available after office hours?
  • Are they properly licensed to sell insurance in Rhode Island?
  • Which members of your family are coverage by the policy?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Independent or Captive: It’s your choice

When finding a reliable agent, there are a couple of types of agencies to choose from. Coventry agents are categorized either independent (non-captive) or captive.

Captive Agents

This type of agents have only one company to place business with like American Family, Liberty Mutual and AAA. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are trained well on the products they sell and that can be a competitive advantage.

Below are Coventry captive insurance agencies who can help you get rate quotes.

Allstate Insurance – 1060 Tiogue Ave – Coventry, RI 02816 – (401) 821-2261

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, it’s recommended you contact at least one independent agent to get the best comparison.

Listed below is a short list of independent insurance agencies in Coventry that are able to give rate quotes.

Vespia and Son Insurance – 896 Tiogue Ave – Coventry, RI 02816 – (401) 822-2100
Vespia and Son Insurance – 2435 Nooseneck Hill Rd # 1 – Coventry, RI 02816 – (401) 822-2100

To view a complete directory of licensed insurance agents in Coventry, please click here.

Once you have received satisfactory answers to your questions as well as a affordable price, you may have just found an insurance agency that meets your needs to service your policy.

Online companies appeal to some consumers

Insurance agencies are important to many people, but Rhode Island car insurance can also be bought direct over the internet. Certain companies who have local Coventry agents also let you buy direct online, so this should also be taken into consideration as an alternative to contacting agents.

If you’re worried about selecting your own policy coverages, this is a normal reaction for first-time shoppers. All companies that allow you to purchase coverage provide phone numbers and online resources to answer your questions. They also have live help and an extensive research center that can help answer basic questions.

Does car insurance cost less online? Whether or not you’ll save is impossible to say because there are many factors that impact your final bill. It’s often assumed that buying directly from the company cuts out the middleman. But the reality is the cost of constant advertising is expensive and that impacts the rates consumers pay.

When shopping for low rates, the only way to find out if the cheapest policy comes from an agent or online is to get rates from both and compare them. You could possible even receive different price quotes when comparing quotes online and from an agent returned by the same company. But you can’t find out if the company’s rates are lower online or from an agent without quoting coverages each way.

quotes for Rhode Island insurance

Additional resources for Rhode Island consumers

Even more information is located at the Rhode Island Division of Insurance Regulation website. Visitors are able to discover disciplinary actions, find out industry alerts, read enforcement actions against agents and companies, and read consumer alerts.

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More comparisons equals lower rates

Consumers switch companies for a number of reasons such as high rates after DUI convictions, extreme rates for teen drivers, not issuing a premium refund or denial of a claim. It doesn’t matter why you want to switch finding a great new company can be less work than you think.

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. In many cases, someone dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.