Why Auto Insurance Reviews Matter More in September Than July

Posted on June 30, 2025October 17, 2025 by admin

When searching for auto insurance, it’s important to consider reviews. Choosing a reputable company with affordable premiums can make all the difference. At Kingston Insurance Agency LLC, we’ll explain why reviews matter more in September than in July—and what to look for when evaluating them.

What to Look for in Reviews

Reviews can provide valuable insights into an insurance company, but it’s important to look beyond pricing. Many reviews focus solely on cost, which can be misleading since premiums often vary based on factors like driving history or zip code.

Instead, focus on these key aspects:

Customer Service: Look for comments about the company’s responsiveness and helpfulness.
Claims Handling: Pay attention to how quickly and efficiently claims are processed.
Ease of Use: Check for feedback on the usability of the company’s website or mobile app.

Since the insurance company will handle any future claims you make, it’s crucial to choose one with a strong reputation for reliability and service.

Pay Attention to the Date of Reviews

The timing of reviews can also be significant. For example, July is a month when many insurance premiums increase, which can lead to negative reviews from frustrated customers. Additionally, July is peak tourist season, meaning more people are on the roads and accidents are more frequent.

By contrast, September tends to be a calmer month, making reviews left during this time more reflective of the company’s true performance. For honest and balanced feedback, prioritize reviews written in September.

Let Professional Agents Help

Navigating the many insurance companies available can be overwhelming, and choosing the wrong one could be costly. At Kingston Insurance Agency LLC, our agents are here to help. We’ll not only build a policy tailored to your needs but also provide quotes from top-rated companies.

Auto Insurance for Every Type of Driver and Every Kind of Vehicle

Posted on September 30, 2024October 17, 2025 by admin

Driving mandates insurance coverage; it’s the law. However, in certain situations, such as accidents or damage to your vehicle through fire, flood, or another car, the basic coverage may not suffice. Hence, residents in and around, trust Kingston Insurance Agency LLC’s experienced and cordial team for auto insurance solutions and necessary protection on the road.

Efficient Protection for Every Driver and Vehicle

One remarkable aspect of auto insurance is its universal appeal to every kind of driver. For most, a good driving record is an accomplishment to take pride in. Regardless of your record, your auto insurance coverage never judges. It might cost a tad more if you’ve had a few accidents, but a plan is always available to ensure your protection. That’s why consulting with an experienced and trusted agent is helpful to optimally configure your auto insurance solutions, irrespective of your driving style or vehicle type.

Inclusive Protection And Insurance Solutions for South Kingstown Drivers

If you’re residing in or around, and require an auto insurance quote or vehicle coverage, our Kingston Insurance Agency LLC team is ready to assist. Appropriate insurance coverage is crucial for road safety. As the old saying goes, preparing for a rainy day is best. Contact us to schedule an appointment and get the necessary auto insurance solutions at Kingston Insurance Agency LLC today.

Should Married Couples Combine Their Auto Insurance?

Posted on December 21, 2023October 17, 2025 by admin

Kingston Insurance Agency LLC wants residents to fully understand how marriage could help them save money on their auto insurance. Conventional wisdom says married couples save on their premiums if they combine their coverage into a single insurance policy, but there’s a huge caveat to this.

Both Spouses Need a Superb Driving Record

Combining insurance only works to lower a married couple’s premiums if both have a good driving record. If one spouse has a DUI, DWI, or lost points from their license, they would probably raise the premiums of the spouse with a clean record.

Why Do Married Couples Earn Lower Rates?

The insurance industry conducts complex statistical studies to determine the risk levels of groups of individuals. This actuarial study results in certain situations providing a person or couple with potential savings in the form of discounts or lower premiums. Married individuals typically engage in lower-risk activities. This lowers the risk of insuring them, so insurance companies pass along the savings.

How to Handle a Spouse with a Bad Driving Record

Before you get married, every couple should speak with one another honestly about matters that could affect their finances, creditworthiness, or insurability. The number one thing that marriage counselors say couples fight about – money – can prove easy to deal with if you remain upfront with one another. Reveal DUIs or DWIs, unlike the character Fritz from “The Closer,” who hid his DUIs from Brenda. Keep your coverage separate until the spouse with a bad driving record repairs their record.

Contact Us for an Auto Insurance Review

Whether you’re about to tie the knot or you’ve been married for years, let Kingston Insurance Agency LLC uncover ways you could save on your auto insurance premiums. Contact us today for an appointment, residents!

Auto Insurance 101: What Every Driver Needs to Know

Posted on March 27, 2023October 17, 2025 by admin

Auto insurance is a crucial aspect of responsible vehicle ownership. Understanding the coverage types and factors that affect premiums can be overwhelming. Here is a comprehensive overview of auto insurance basics.

Types of Coverage

There are several types of auto insurance coverage, including:

Liability
Collision
Comprehensive

Liability insurance is mandatory and covers damages and injuries you may cause to others in an accident. Collision coverage pays for repairs or vehicle replacement if you are at fault in an accident. Comprehensive coverage protects your vehicle against theft, vandalism, and other non-collision incidents. Personal injury protection covers medical expenses and lost wages for you and your passengers after an accident.

The Importance of Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UM/UIM) coverage protects you and your passengers if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough to cover the damage and injuries they caused. It can also protect you if you are involved in a hit-and-run accident.

Without UM/UIM coverage, you could be left paying for the damages and injuries out of pocket, which can be costly and financially devastating. It’s important to consider adding UM/UIM coverage to your auto insurance policy to protect yourself and your passengers.

Finding the Right Policy

To find the right auto insurance policy, consider your budget, coverage needs, and deductible. Compare quotes from different insurance companies to find the best value. Ask about discounts, such as safe driver discounts, which can help reduce premiums. Work with an insurance agent to guide you through the process.

Kingston Insurance Agency LLC Is Here To Help!

Auto insurance is a critical aspect of responsible vehicle ownership. By understanding the basics of coverage and factors that affect premiums, drivers can make informed decisions when choosing a policy. Contact Kingston Insurance Agency LLC for personalized insurance quotes and expert advice.