Lower Little Rock Car Insurance Rates in Five Minutes

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.

Lots of discounts mean lots of savings

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.

• Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you could get a discount of at least 10% off all policies.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of 20% or more.
• New Car Discount – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
• Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
• Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% depending on your company.
• Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for car insurance.

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.

But I want to work with a local agent

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!

What type of Little Rock car insurance agent is right for you?

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.

Independent Agents

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

Captive Agents

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:

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Will their companies depreciate repairs to your car based on the mileage?
• What insurance companies do they recommend if they are an independent agent?
• How much can you save by raising your physical damage deductibles?
• Are they full-time agents?
• Does the agency have a good rating with the Better Business Bureau?
• Do they carry Errors and Omissions coverage?

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.

Don’t believe everything you hear

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.

More information about car insurance

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.

Cheaper insurance is a realistic goal

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.