Comparison shopping for Bella Vista car insurance is hard for consumers not familiar with shopping for insurance online. There are so many options available that it can easily become a challenge to find lower rates in Bella Vista.
Consumers need to shop coverage around quite often because rates are constantly changing. If you had the lowest price six months ago a different company probably has better rates today. Starting now, forget all the misinformation about car insurance because it’s time to teach you one of the best ways to save on car insurance.
Fast and Easy Bella Vista Car Insurance Quotes
To find the best car insurance prices, there are several ways to compare quotes from different in Bella Vista, ARinsurance companies. The fastest way to find the lowest rates is to get quotes online. This can be accomplished in a couple of different ways.
- The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do repetitive form submissions for every car insurance company. One form submission will return quotes from car insurance companies with the best prices. This is by far the quickest method.
- A more difficult way to get comparison quotes requires you to visit each company’s website and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, Farmers and GEICO. 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.
For a list of links to companies insuring cars in Bella Vista, click here.
It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have different deductibles it will be next to impossible to decipher which rate is best in Bella Vista. Just a small difference in insurance coverages can result in a big premium difference. And when quoting car insurance, remember that getting more free quotes will increase your chances of finding a better price.
Save big with these six discounts
Companies don’t necessarily list every available discount very well, so we researched both well-publicized and the more hidden car insurance savings.
- Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
- Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Memberships – Belonging to a professional or civic organization could qualify you for a break on car insurance.
- New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.
For a list of providers offering car insurance discounts in Bella Vista, click this link.
More detailed Arkansas car insurance information is located at the Arkansas Insurance Department website. Consumers can read consumer alerts, read state legal mandates and laws, learn about specific coverages, and learn about insurance regulations.
Auto insurance coverages
Understanding the coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from flooding, vandalism, damage from a tornado or hurricane and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical expense coverage – Med pay and PIP coverage provide coverage for immediate expenses like dental work, EMT expenses, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since many Arkansas drivers only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision coverage – This coverage will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Coverage for liability – Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as attorney fees, legal defense fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Arkansas state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy more liability than the minimum.
Quote more, save more
Lower-priced car insurance is possible from both online companies as well as from independent agents in Bella Vista, and you need to comparison shop both to have the best selection. Some companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed collision coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.
Consumers change insurance companies for a variety of reasons including unfair underwriting practices, not issuing a premium refund, denial of a claim and even policy cancellation. Whatever your reason, switching companies is easier than you think.