Nobody I know looks forward to buying auto insurance, in particular when they are paying too much. You have multiple car insurance companies to pick from, and though it is a good thing to have a selection, it makes it harder to find the best rates for your vehicles.
Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates enables informed choices that can help you get lower auto insurance prices.
Companies don’t always advertise every discount very clearly, so here is a list some of the more common and also the lesser-known auto insurance savings. If you’re not getting every credit possible, you are throwing money away.
Keep in mind that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.
To see a list of insurers who offer auto insurance discounts in Arkansas, follow this link.
Certain consumers would rather visit with an insurance agent and that is a personal choice. Insurance agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, the coverage information is sent to agents in your area who will battle for your insurance coverage. There is no need to leave your house due to the fact that quote results will go to your email. How cool is that?!
Picking an insurer shouldn’t rely on just the bottom line cost. Here are some questions to ask:
When researching local Texarkana agents, there are a couple of different agency structures from which to choose. Texarkana agents can either be captive or independent. Both do a good job, but it’s worth mentioning the difference between them because it can influence the selection process.
These agents write business for a single company like Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies are well schooled on the products they sell which helps them sell insurance even at higher premiums.
The following are Texarkana captive insurance agents who may provide you with price quotes.
Farm Bureau Insurance – 3015 E 9th St – Texarkana, AR 71854 – (870) 772-4661
Farmers Insurance Group – 4425 Jefferson Ave # 100 – Texarkana, AR 71854 – (870) 772-4555
Shelter Insurance – 2918 County Ave – Texarkana, AR 71854 – (870) 772-0313
Independent agents do not work for one specific company so they have the ability to put coverage with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When shopping rates, it’s a good idea to contact at least one independent agent to have the most options to choose from.
Below is a list of independent insurance agents in Texarkana that can give you comparison quotes.
Barnette Agency Inc – 2505 Sugar Hill Rd – Texarkana, AR 71854 – (870) 774-9407
Young and Youngblood Insurance – 515 Regions Bank Bldg – Texarkana, AR 71854 – (870) 774-3669
Dickens Agency – 3210 Jefferson Ave – Texarkana, AR 71854 – (870) 773-5500
Standridge Insurance – 4707 E Broad St – Texarkana, AR 71854 – (870) 773-6000
To view a full list of licensed insurance agents in Texarkana, simply jump to this page.
Upon receiving answers to your satisfaction to your questions and locked in a price quote, you may have just found an insurance agent that will adequately provide auto insurance.
Additional detailed information can be read at the Arkansas Insurance Department website. Consumers can file complaints about a company, learn about specific coverages, and read industry bulletins.
When you buy insurance online, do not buy less coverage just to save a little money. In many cases, consumers will sacrifice liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at an affordable rate.
Cheaper auto insurance is definitely available from both online companies as well as from independent agents in Texarkana, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.