Cheapest Car Insurance Exclusively for Jacksonville, AR Residents

Having to pay for overpriced car insurance can drain your savings account and put the squeeze on your family’s finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. You have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, lots of choices makes it harder to get the best deal.

This information will help you learn the most effective way to quote insurance. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Arkansas consumers only need an understanding of the tricks to get comparison rates online.

Car Insurance Comparison Rates in Jacksonville, Arkansas

There are a lot of ways to compare car insurance quotes, and some are more efficient than others. You can waste a few hours (or days) driving to agents in Jacksonville, or you could save time and use the web to quickly compare rates.

Most major companies take part in a program where insurance shoppers enter their coverage request one time, and each participating company can give them a price determined by their information. This saves time by eliminating repetitive form submissions to every company.

To participate in this free quote system, click here to start a free quote.

One minor caviat to doing it this way is you can’t choose the insurers you want to price. So if you want to select specific insurance companies to receive pricing from, we put together a list of the cheapest car insurance companies in Arkansas. Click to view list.

However you get your quotes, make absolute certain that you use exactly the same deductibles and coverage limits for each price quote. If you have differing limits it will be impossible to truly determine the lowest rate in Jacksonville.Car insurance in Arkansas

Do you qualify for a discount?

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but lesser-known reductions have to be asked for before they will apply. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Multi-car Discount – Having more than one vehicle on one policy may reduce the rate for each vehicle.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
  • Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Accident Free – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
  • Own a Home – Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Senior Citizens – Mature drivers can possibly qualify for reduced rates.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, car insurance companies aren’t that generous. But any discount will reduce your overall premium however.

To see a list of insurance companies with the best car insurance discounts in Jacksonville, follow this link.

How your Jacksonville rates are determined

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • Liability coverage is cheap – The liability section of your policy is the protection when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
  • Never let your coverage lapse – Driving without insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, getting caught without coverage may earn you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with the Arkansas department of motor vehicles.
  • Do you know your deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are running into the backend of another car, vandalism, or theft. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more expense you’re willing to pay, the bigger discount you will receive.
  • Where do you drive? – The higher the mileage driven in a year’s time the more you will pay for car insurance. Almost all companies price each vehicle’s coverage based on their usage. Cars and trucks that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your car insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
  • Men are more aggressive – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women are in accidents in similar numbers, but the males tend to have more serious accidents. They also get cited for more serious violations such as DWI and reckless driving.
  • Younger drivers pay higher rates – Youthful drivers in Arkansas are statistically proven to be more careless when driving so they pay higher car insurance rates. If you’ve ever had to add a youthful driver onto your car insurance can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • How many coverages with the same company – The majority of companies will give a discount to customers who buy several policies from them. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.

What coverages do I need?

When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

  • When should I not file a claim?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What is the difference between comprehensive and collision coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I have combined single limit or split liability limits?
  • Am I covered when pulling a rental trailer?
  • Where can I get insurance after a DUI in Arkansas?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

More information is available on the website for the Arkansas Insurance Department through this link. Arkansas consumers can learn about specific coverages, find disaster information, find out industry alerts, and read state legal mandates and laws.

The following information may also be useful.

Quote often and quote early

Budget-conscious car insurance can be purchased on the web as well as from independent agents in Jacksonville, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

In this article, we covered a lot of ways to save on car insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the best price on car insurance is with some of the smallest insurance companies. Regional companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.