Conway Arkansas Auto Insurance Buying Tips You Aren’t Supposed to Know

Are you intimidated by the sheer number of auto insurance company choices in Conway? Lot’s of other consumers are too. Consumers have so many options available that it can turn into a challenge to locate the lowest price.

It’s a good idea to take a look at other company’s rates once or twice a year because rates fluctuate regularly. Despite the fact that you may have had the lowest rates two years ago a different company probably has better rates today. Ignore everything you know about auto insurance because we’re going to demonstrate the things you must know in order to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you will be able to cut costs considerably using these methods. This information will familiarize you with how car insurance quotes work and some tips to save money. Nevertheless, Arkansas car owners benefit from understanding the way companies compete online because it can help you find the best coverage.

Comprehensive Auto Insurance Comparison in Conway, AR

There are multiple methods you can shop for auto insurance but some are less time-consuming than others. You could spend the better part of a day talking to local insurance agents in Conway, or you could use the internet to achieve your goal.

Most major companies participate in a marketplace where insurance shoppers send in one quote, and each participating company then returns a price quote determined by their information. This system prevents you from having to do form submissions for each company.

To compare rates now click here to start a free quote.

The one disadvantage to doing it this way is you don’t know exactly which companies you want pricing from. So if you prefer to pick individual companies for rate comparison, we have a page of companies who write auto insurance in Arkansas. Click to view list.

However you get your quotes, make darn sure you compare identical coverage limits and deductibles with each company. If you compare higher or lower deductibles it’s impossible to make an equal comparison in Conway. Having just a slight variation in coverage limits may cause a big price difference. And when quoting auto insurance, remember that comparing more company’s prices helps locate the best offered rates.

Do drivers who switch really save?

State Farm, GEICO and Progressive continually stream ads in print and on television. All the companies make the same claim that you’ll save big after switching your coverage to them. How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver that makes them money. A good example of a desirable insured might be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A customer who matches those parameters receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t measure up to this ideal profile will have to pay higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save money. That is how insurance companies can confidently make the claims of big savings.

Because of the profiling, it is so important to get as many quotes as possible. It is impossible to predict which company will provide you with the cheapest rates.

Save big with these discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be asked for before being money concept

  • Paperless Signup – A handful of insurance companies give back up to $50 simply for signing on their website.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off with select insurance companies.
  • Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break when shopping for auto insurance.
  • Distant Student – Kids in college who live away from home and don’t have a car may qualify for this discount.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Driver Safety – Taking part in a defensive driving course can save you 5% or more depending on where you live.

Keep in mind that most credits do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.

Do I need a local agent?

Some consumers would prefer to get advice from a local agent and that is OK! The best thing about comparing insurance prices online is that you can obtain the best rates but also keep your business local. Supporting local agencies is important particularly in Conway.

Once you complete this form (opens in new window), the quote information gets sent to companies in Conway who will give you bids for your coverage. You never need to even leave your home due to the fact that quote results will go directly to your email. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

Compare rates from both independent and captive auto insurance agents

When searching for a local agent, there are a couple of different agency structures to choose from. Agencies in Conway are classified as either independent (non-captive) or captive.

Independent Agents

Independent insurance agents are not employed by any specific company but rather can write business with many different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to get quotes from multiple independent agents to get the best comparison.Many can place coverage with lesser-known insurance companies which can save you money.

Listed below are independent agents in Conway that are able to give price quotes.

  • Darren Rose Agency – 930 Wingate St # D1 – Conway, AR 72034 – (501) 327-0233
  • Direct General Ins Agency – 405 Oak St # 3 – Conway, AR 72032 – (501) 450-7800
  • Best One Stop Insurance – 900 2nd St – Conway, AR 72032 – (501) 548-6900
  • Rex Saddler Insurance – 1600 Dave Ward Dr # E – Conway, AR 72034 – (501) 327-2345
  • Farris Agency Inc – 801 Parkway St – Conway, AR 72034 – (501) 329-1221
Captive Insurance Agents

This type of agents write business for a single company like AAA, Allstate and State Farm. These agents are not able to compare other company’s rates so always compare other rates. Captive agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives partially due to the prominence of the brand and the convenience of having all coverages with one company.

The following are Conway captive agencies that are able to give rate quotes.

  • Allstate Insurance – 1055 Sunflower Dr – Conway, AR 72034 – (501) 336-0427
  • Shelter Insurance – 930 Wingate St # A – Conway, AR 72034 – (501) 327-3888
  • State Farm Insurance – 2100 Meadowlake Rd – Conway, AR 72032 – (501) 513-0800
  • Farm Bureau Insurance – 300 Industrial Blvd – Conway, AR 72032 – (501) 329-5681
  • Farmers Insurance Group – 2334 Washington Ave – Conway, AR 72032 – (501) 730-0011

To view a complete directory of captive agents in Conway, visit this site.

Deciding on an auto insurance agent needs to be determined by more than just a cheap price. Ask your prospective agent these questions:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Does the company allow you to choose your own collision repair facility?
  • Will your rates increase after a single accident?
  • Are claims handled at the agent’s location?
  • What insurance companies do they work with?

Upon receiving positive responses to these questions as well as a affordable price, most likely you have located an auto insurance agent that meets your needs to adequately provide auto insurance.

How to know if you need help

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different.

insurance quote Conway AR

For example, these questions can help discover if your situation could use an agent’s help.

  • Am I covered when using my vehicle for business?
  • Can I still get insurance after a DUI?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What happens if I owe more than my vehicle is worth?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

More information can be found on the Arkansas Insurance Department website located here. Consumers can discover disciplinary actions, read industry bulletins, and download brochures.

Also read more on this page for auto insurance prices in Arkansas and see this list of insurance agents in Conway.

And the best car insurance company is…

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and learned later that they should have had better coverage. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Throughout this article, we presented a lot of ways to save on auto insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the most savings is with a lesser-known regional company.

Affordable auto insurance is definitely available both online as well as from independent agents in Conway, so compare prices from both to have the best rate selection. There are still a few companies who don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.