Save Money on Springdale, AR Car Insurance Rates in Five Minutes

Using the web to shop for Springdale car insurance can seem like an uphill battle if you are a beginner to online price comparisons. Don’t let that stop you because online price shopping is actually quite simple.

If you have insurance now or need new coverage, you can use this information to reduce the price you pay while maximizing coverage. Locating affordable protection in Springdale is easy if you know what you’re doing. Arkansas consumers only need an understanding of the proper methods to get comparison quotes on the web.

Educated Consumers Know How to Buy Car Insurance Cheaper

It’s important that you understand the rating factors that come into play when calculating the price you pay for car insurance. Understanding what influences your rates helps enable you to make changes that can help you get better car insurance rates.

  • Traffic citations inflate rates – Whether or not you get tickets has a big impact on rates. Drivers with clean records have lower premiums than their less careful counterparts. Even a single citation may increase your cost by twenty percent. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Small claims can cost you – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Companies in Arkansas generally give better rates to insureds who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • One company can mean more discounts – Many insurance companies will give a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to confirm you are receiving the best rates possible.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar percentages, but the males have costlier accidents. They also get more serious tickets such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Mature drivers pay less – Older drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers have a tendency to be careless and easily distracted behind the wheel and because of this, their car insurance rates are much higher.
  • Do you know you’re credit rating? – A driver’s credit history is a important factor in your rate calculation. If your credit rating is not that good, you could be paying less to insure your by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Special features that cut premiums – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder auto theft.

Policy discounts you shouldn’t miss

Car insurance companies don’t always list every available discount very clearly, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you’re not getting every credit available, you are throwing money away.

  • Discount for Swiching Early – A few companies offer discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Multiple Cars – Insuring all your vehicles with the same company could earn a price break for each car.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Just because you may think you could get a free car insurance policy, you’re out of luck.

For a list of insurers with the best car insurance discounts in Arkansas, follow this link.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. All the companies have a common claim about savings if you change to them.Arkansas car insurance

How can each company make the same claim? This is how they do it.

All the different companies have a preferred profile for the right customer they prefer to insure. An example of a preferred risk might be profiled as over the age of 50, owns a home, and drives newer vehicles. Any new insured who fits that profile receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who do not match the “perfect” profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can advertise the way they do. That is why drivers should compare many company’s rates. It’s not possible to predict the company that will provide you with the cheapest rates.

Insurance agents can help

When choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • I don’t drive much so do I pay less?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving a rental car?
  • Do I benefit by insuring my home with the same company?
  • What are Arkansas no-fault laws?
  • Does medical payments coverage apply to all occupants?
  • What if I total my vehicle and owe more than it’s worth?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

More tips and info about car insurance is available at the Arkansas Insurance Department website. Consumers can read enforcement actions against agents and companies, read industry bulletins, and view agent and company licensing information.

insurance quote Springdale

Better coverage you can count on

Drivers change insurance companies for many reasons like delays in responding to claim requests, high prices, extreme rates for teen drivers or lack of trust in their agent. Regardless of your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Budget-conscious car insurance can be purchased both online in addition to many Springdale insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide online quoting and these smaller companies work with independent agents.

When shopping online for car insurance, don’t be tempted to buy less coverage just to save a little money. Too many times, an insured dropped liability coverage limits only to discover later that they should have had better coverage. The proper strategy is to buy the best coverage you can find at the best price.