To find a good insurance agent in Tiverton, RI, you can do an initial search by comparing rates online in order to save time. You require a competent insurance agent, but also competitive car insurance rates.
Many car insurance agents vie to insure your vehicles, and because of this it can be hard to compare insurance agents and get the best coverage at the lowest cost out there.
Buying car insurance locally
Insurance agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of getting online price quotes is that you can obtain the lowest rates and still choose a local agent.
To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to companies in Tiverton who will give you bids for your business. You don’t have to leave your house as quotes are delivered straight to your inbox. It doesn’t get any easier!
Selecting an insurance agency shouldn’t rely on just a low price. Agents should be asked these questions:
- Can glass repairs be made at your home?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How are they compensated?
- Are you getting all the discounts the company offers?
- How long has their agency been in business in Tiverton?
- Which insurance companies are they affiliated with?
Captive and independent Tiverton auto insurance agents
If you’re trying to find a good insurance agency, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Tiverton are categorized either captive or independent. Both types can properly insure your vehicles, but it’s important to know how they differ because it can impact the selection process.
Agency Captives
Captive insurance agents have only one company to place business with and examples are American Family, Liberty Mutual and AAA. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies receive extensive training on their products and sales techniques and that can be a competitive advantage. Consumers frequently buy insurance from these agents mostly because of the brand legacy and the convenience of having all coverages with one company.
Below is a list of captive agencies in Tiverton willing to provide price quote information.
- State Farm Insurance – 134 Mark Dr – Tiverton, RI 02878 – (401) 625-5685
Independent Insurance Agents
Independent insurance agents do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, you should always include price quotes from multiple independent agents for maximum quote selection.Many can place coverage with smaller regional carriers which may provide better rates.
Below are independent agents in Tiverton willing to provide price quotes.
- Russ Towers Insurance – 167 Main Rd – Tiverton, RI 02878 – (401) 624-8462
- Interstate Insurance and Finance – 80 Main Rd – Tiverton, RI 02878 – (401) 624-8477
To view a complete directory of Tiverton insurance agents, please view this page.
After getting answers to your satisfaction to your questions and an affordable coverage quote, you’ve probably found an auto insurance agent that is a good match to properly insure your vehicles.
But what about Geico, Esurance and Progressive?
Local insurance agents serve a purpose, but you can also buy Rhode Island car insurance from companies direct over the internet. Some specific companies who have local Tiverton agents also allow consumers to get a quote and buy online, so that should be considered to possibly find a better rate.
If you’re concerned about not having someone to ask questions, don’t let it bother you. Companies all have client service departments for customer questions. In addition, they usually offer extensive coverage information and 24/7 assistance so you can feel comfortable buying online.
Is it cheaper to buy online? It’s hard to say exactly because of the number of factors that can increase policy rates. It’s a common assumption that buying directly from the company lowers rates due to not having any agent compensation. But truthfully, there are very high advertising costs so there may not be significant savings.
What is YOUR best insurance company?
Low-cost car insurance can be purchased online and with local Tiverton insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
When buying insurance coverage, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.
To learn even more about car insurance
More detailed Rhode Island car insurance information can be found at the Rhode Island Division of Insurance Regulation website. Rhode Island drivers can download brochures, file complaints about an insurance agent or broker, and file complaints about a company.
