Discover the Secrets to Cheaper Jonesboro Auto Insurance

Sick and tired of trying to scrape together enough money to insure your vehicles every month? Your situation is no different than millions of other consumers. Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every company to get the lowest rate

Jonesboro Auto Insurance Quote Comparison

Getting a lower price on insurance doesn’t have to be difficult. The only requirement is to take time to compare rate quotes online with multiple companies. This can be done using a couple different methods.

  1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating boring form submissions for each company you want a rate for. One simple form gets you coverage quotes from auto insurance companies with the best prices.
  2. A slightly less efficient method to get comparison quotes consists of going to the website for every company you want to comare and complete a new quote form. For example, we’ll pretend you want to compare rates from Farmers, Allstate and Progressive. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is quicker. To view a list of companies in Jonesboro, click here.
  3. The least efficient method to get comparison rates is to spend time driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you want the professional advice only provided by licensed Jonesboro agents. Drivers can get the lowest quotes online but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, make sure you use apples-to-apples coverage limits for every quote you compare. If you are comparing different limits and deductibles on each one it will be next to impossible to find the best deal in Jonesboro.

Are auto insurance companies telling the truth?

Consumers constantly see and hear ads for car insurance savings from the likes of Allstate, GEICO and Progressive. All the ads say the same thing about savings if you move your coverage to them.

How can each company make the same claim? It’s all in the numbers.

Different companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. Any driver who fits that profile will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t meet the requirements will be charged higher rates which leads to business going elsewhere. The ads say “people who switch” not “people who quote” save that much. That is how companies can truthfully advertise the savings.

That is why it is so important to compare as many rates as you can. Because you never know which insurance companies will fit your personal profile best.

Companies offer discounts so take them!

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Certain discounts will be applied when you quote, but a few must be manually applied before you will receive the discount. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more than drivers with accidents.
  • Save over 55 – Older drivers can possibly qualify for reduced rates.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Accident Waiver – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way. But any discount will bring down your premiums.Arkansas insurance ad

To choose companies offering auto insurance discounts in Arkansas, click here to view.

Shop online but buy locally

Certain consumers prefer to buy from a licensed agent and that is OK! Agents can answer important questions and give you peace of mind. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local. And supporting small agencies is especially important in Jonesboro.

To find an agent, once you fill out this short form, your coverage information is submitted to agents in your area who will give you bids to get your business. You won’t need to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier!

Two types of Jonesboro car insurance agents

When finding local Jonesboro agents, there are two different agency structures to choose from. Jonesboro agents are classified as either independent or captive. While both can properly insure your vehicles, but it’s good to learn the difference between them because it can influence the type of agent you choose

Independent Agents (or Brokers)

Independent agents do not work for one specific company but rather can write business with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When comparing rates, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.

Shown below is a short list of independent agencies in Jonesboro that can give you comparison quotes.

United American Insurance Co – 2311 E Nettleton Ave # C – Jonesboro, AR 72401 – (870) 933-2050
Direct General Ins Agency – 2717 S Caraway Rd – Jonesboro, AR 72401 – (870) 972-1188
American National Insurance Co – 1807 W Matthews Ave – Jonesboro, AR 72401 – (870) 972-0410
Turner Agency Inc – 2000 Fox Meadow Ln – Jonesboro, AR 72404 – (870) 932-1300

Captive Agents

Captive insurance agents can only place business with one company and examples are AAA, Allstate and State Farm. They generally cannot place coverage with different providers so it’s a take it or leave it situation. These agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage.

The following are captive insurance agencies in Jonesboro that can give you price quote information.

Arkansas insurance ad

Allstate Insurance Co – 1217 W Parker Rd – Jonesboro, AR 72404 – (870) 972-8821
Farmers Insurance Group – 2012 Pine Valley Ln – Jonesboro, AR 72404 – (870) 932-7337
State Farm Insurance – 2500 Sunny Meadow – Jonesboro, AR 72404 – (870) 972-6400
Farm Bureau Insurance – 2731 E Highland Dr – Jonesboro, AR 72401 – (870) 935-5533
Shelter Insurance – 2307 Race St – Jonesboro, AR 72401 – (870) 931-7400

For a full directory of Jonesboro captive agents, please view this page.

Deciding on an insurance agent should depend on more than just the price. These are valid questions to ask:

  • What is the agency’s Better Business Bureau rating?
  • Who are their largest clients?
  • What insurance companies do they recommend if they are an independent agent?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Can glass repairs be made at your home?
  • Did they already check your driving record and credit reports?

Once you have positive responses to all your questions in addition to an acceptable price estimate, you may have just found an insurance agency that is a good match to insure your vehicles.

More information is located on the website for the Arkansas Insurance Department located here. Consumers can learn about specific coverages, download brochures, and read enforcement actions against agents and companies.

Buy online or local, you save

In this article, we presented a lot of information how to save on auto insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

Discount auto insurance is available both online in addition to many Jonesboro insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide online price quotes and these small, regional companies work with independent agents.