Learn How to Shop For Paragould, AR Car Insurance Like an Expert

Purchasing the cheapest Paragould car insurance over the internet may be difficult for consumers new to buying insurance online. With so many choices, how can anyone possibly compare every company to locate the best available rates?

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to get lower rates and still get good coverage. This article will introduce you to the most effective way to quote insurance and some money-saving tips. Arkansas drivers just need to learn the tricks to get comparison rates over the internet.

Quick Paragould Car Insurance Quotes

Lowering your car insurance rates is actually quite simple. Consumers just need to spend a little time to compare quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating a different quote to each individual car insurance company. A single form will get you rate comparisons direct from many companies.It’s the quickest way to get rates.
  2. A more time consuming way to get comparison quotes requires visiting the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s assume you want to compare Liberty Mutual, Safeco and Travelers. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular. To view a list of companies in Paragould, click here.
  3. The least efficient method of getting rate comparisons is driving to local Paragould insurance agencies. The internet can eliminate the need for a local agent unless you have a need for the professional guidance of a local Paragould agent. Drivers can comparison shop your insurance online but buy from a local insurance agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make sure you use the exact same coverages for every company. If you are comparing different deductibles it will be next to impossible to truly determine the lowest rate in Paragould.

How much can you save with discounts?

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be specifically requested before you get the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance from them.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • College Student – Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Senior Discount – If you qualify as a senior citizen, you may receive better car insurance rates.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% depending on your company.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will cut your premiums.

What about using a local agent?

Some people would prefer to visit with an insurance agent and that is OK! Licensed agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing rates online is you can get better rates but still work with a licensed agent. And providing support for local insurance agencies is important especially in Paragould.

Once you complete this short form, your coverage information is instantly submitted to insurance agents in Paragould who will give you bids for your coverage. You don’t have to even leave your home as quotes are delivered to your email. It doesn’t get any easier!

Captive or Independent: There is a difference

When searching for a reliable agent, you need to know there are two different agency structures from which to choose. Paragould agents can either be captive or independent (non-captive). Both types can properly insure your vehicles, but it’s important to know how they are different because it can influence your agent selection.price insurance in Paragould

Independent Agents (or Brokers)

These agents are not required to write business for one company but rather can write business with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When comparison shopping, it’s recommended you get quotes from multiple independent agents to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.

Listed below is a list of independent insurance agents in Paragould that are able to give comparison quotes.

  • Max Garnett Insurance – 1520 W Court St – Paragould, AR 72450 – (870) 239-2201
  • Cook Insurance Inc – 126 Linwood Dr – Paragould, AR 72450 – (870) 236-2057
Agency Captives

This type of agents can only write with one company such as State Farm or Allstate. They usually cannot provide prices from multiple companies so keep that in mind. These agents are well schooled on their products and sales techniques which can be an advantage. Consumers frequently purchase coverage from captives mostly because of loyalty to the company and the convenience of having all coverages with one company.

Below is a short list of captive agencies in Paragould willing to provide price quotes.

  • Farmers Insurance Group – 104 Center Hill Plz – Paragould, AR 72450 – (870) 239-2588
  • Allstate Insurance Co – 1211 W Court St – Paragould, AR 72450 – (870) 215-0333
  • Shelter Insurance – 148 Linwood Dr – Paragould, AR 72450 – (870) 239-2261

For a complete listing of captive agents in Paragould, visit this link.

Choosing a car insurance agent needs to be determined by more than just the price. Some important questions to ask are:

  • Which members of your family are coverage by the policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How often do they review policy coverages?

Upon receiving acceptable answers to any questions you have and a low price estimate, it’s possible that you found an auto insurance agent that will insure your vehicles.

Additional information can be found on the Arkansas Insurance Department website found here. Visitors are able to report car insurance fraud, read industry bulletins, and view a list of available companies.

price insurance in Paragould

Also read more on BankRate.com’s Car Insurance: When not to Skimp and this page for help finding agents in Paragould, AR.

Quote more, save more

We’ve covered some good ideas how to shop for car insurance online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a small local company.

Consumers leave their current company for a variety of reasons including policy non-renewal, unfair underwriting practices, questionable increases in premium and lack of trust in their agent. Whatever your reason, finding the right car insurance provider is not as difficult as it may seem.

Budget-conscious car insurance is definitely available from both online companies and with local Paragould insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.