Are you tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other drivers in Arkansas. Consumers have many insurance companies to pick from, and although it’s a good thing to be able to choose, so many choices can make it hard to adequately compare rates.
Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Some trigger automatically at the time you complete a quote, but some may not be applied and must be asked about before you will receive the discount. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
Drivers should understand that some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you’re out of luck. But any discount will help reduce your overall premium however.
To choose providers who offer car insurance discounts in Arkansas, click here to view.
Some people prefer to buy from a local agent and that is OK! Insurance agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is that you can obtain lower rates and still have an agent to talk to. Supporting local agencies is definitely important in Little Rock.
To find an agent, once you fill out this form (opens in new window), your coverage information is immediately sent to local insurance agents who will battle for your insurance coverage. You never need to leave your house due to the fact that quote results will go to your email. It doesn’t get any easier!
If you’re trying to find a good Little Rock insurance agent, you must know there are a couple different agency structures that you can select. Agencies in Little Rock are classified as either captive or independent. Both properly insure your vehicles, but it’s worth learning the difference between them since it may influence the selection process.
These agents do not work for one specific company but rather can write business with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When shopping rates, it’s recommended you get quotes from at a minimum one independent agency to have the most options to choose from.
Shown below are Little Rock independent agencies that are able to give price quote information.
Dalrymple Insurance Co – 18 Corporate Hill Dr # 204 – Little Rock, AR 72205 – (501) 221-3510
Orson Valley Agency – 5919 H St – Little Rock, AR 72205 – (501) 312-1113
Mc Ghee Insurance – 650 S Shackleford Rd # 400 – Little Rock, AR 72211 – (501) 604-2184
Anderson Agency Inc – 8500 W Markham St – Little Rock, AR 72205 – (501) 312-2800
Hatcher Agency – 1300 W 6th St – Little Rock, AR 72201 – (501) 375-3737
This type of agents work for only one company such as State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so always compare other rates. Captive agencies are well schooled on their products and sales techniques which can be an advantage.
Shown below are captive agents in Little Rock who can help you get price quotes.
Farm Bureau Insurance – 1014 Autumn Rd # 1 – Little Rock, AR 72211 – (501) 228-0888
Allstate Insurance Co – 11701 Interstate 30 # 2 – Little Rock, AR 72209 – (501) 217-9254
Liberty Mutual Insurance – 200 N Bowman Rd – Little Rock, AR 72211 – (501) 228-5003
Shelter Insurance – 7801 Cantrell Rd # D – Little Rock, AR 72227 – (501) 227-8989
State Farm Insurance – 108 S Rodney Parham Rd – Little Rock, AR 72205 – (501) 224-3126
Farmers Insurance Group – 8403 Geyer Springs Rd – Little Rock, AR 72209 – (501) 219-2252
To view a full list of Little Rock captive insurance agents, visit this site.
Deciding on an insurance agency should depend on more than just the bottom line cost. Some important questions to ask are:
After receiving satisfactory answers to these questions and locked in a price quote, chances are good that you have found a car insurance agent that can insure your vehicles.
Arkansas drivers can’t ignore all the ads for the lowest price auto insurance by State Farm, Allstate and GEICO. They all seem to say the same thing that you can save if you change to their company.
But how can every company say the same thing? It’s all in the numbers.
Different companies have a certain “appetite” for the right customer that makes them money. A good example of a profitable customer could be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.
Drivers who don’t qualify for the “perfect” profile will have to pay higher rates and ends up with business not being written. Company advertisements say “people who switch” not “people who quote” save that much money. That’s the way companies can advertise the savings.
Because of the profiling, you absolutely need to get a wide range of price quotes. You cannot predict which car insurance company will fit your personal profile best.
Additional information is located on the website for the Arkansas Insurance Department found here. Visitors are able to file complaints about a company, read consumer alerts, and learn about insurance regulations.
We just presented many ways to lower your car insurance rates. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the most savings is with the smaller companies. They may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.
When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.