Locating lower-cost Dardanelle auto insurance might seem impossible for people who are beginners to quoting and buying their auto insurance online. With dozens of companies competing online, how are people expected to have the ability to compare them all to find cheaper auto insurance prices?
Consumers need to get comparison quotes at least once a year since prices go up and down regularly. Despite the fact that you may have had the best quotes a year ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the best way to lower your rates without sacrificing coverage.
If you currently have car insurance, you will be able to save some money using these tips. This information will let you in on how to effectively get price quotes and some tricks to saving. But Arkansas consumers need to have an understanding of the way insurance companies compete online and use this information to your advantage.
The method we recommend to compare rate quotes is to know almost all companies allow for online access to compare their rates. All consumers are required to do is provide a little information including whether or not you need a SR-22, daily mileage, if you went to college, and any included safety features. Your information is then sent to all major companies and you get price estimates almost instantly.
To start a quote now, click here and enter the information requested.
Don’t overlook these eight auto insurance discounts
Companies offering auto insurance do not advertise the entire discount list very clearly, so we researched some of the more common and the more hidden discounts that you can inquire about if you . If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.
- Military Discounts – Having an actively deployed family member could qualify you for better prices.
- Anti-lock Brake Discount – Cars and trucks with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
- Discounts for Multiple Vehicles – Buying coverage for all your vehicles with one company could earn a price break for each car.
- Passive Restraint Discount – Factory air bags may earn rate discounts of up to 25% or more.
- Bundle and Save – If you can bundle your auto and homeowners insurance with the same company you may earn approximately 10% to 15%.
- Good Grades Discount – Maintaining excellent grades may save as much as 25% on a . The discount lasts until age 25.
- Driver Safety – Participating in a defensive driver course can save you 5% or more and easily recoup the cost of the course.
- Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you’re out of luck.
Insurance companies that may include these benefits include:
When getting a coverage quote, ask every company which credits you are entitled to. A few discounts might not apply in Dardanelle.
Auto insurance advertising gotchas
Big name companies like State Farm and Allstate continually stream ads on television and other media. All the ads convey the message that drivers can save some big amount if you move your coverage to them. How can each company lower your rates? It’s all in the wording.
Many companies can use profiling for the type of insured that will be a good risk. A good example of this type of driver may be over age 30, owns their home, and chooses high deductibles. Any driver who matches those parameters gets the lowest premium rates and will most likely save if they switch.
Consumers who do not meet these criteria will be quoted a higher rate which leads to the customer not buying. The ad wording is “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can truthfully make the claims of big savings. Because of the profiling, it is so important to get a wide range of price quotes. It is just not possible to predict with any certainty which company will fit you best based on your risk profile.
Auto insurance coverage basics
Having a good grasp of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for X-ray expenses, nursing services and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like damaging your car on a curb, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Coverage for liability – This can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability can pay for things like repair costs for stationary objects, court costs and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as much as you can afford. Arkansas state law requires minimum liability limits of 25,000/50,000/25,000 but drivers should carry more liability than the minimum.
Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, a broken windshield, hitting a bird and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists 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.
Due to the fact that many Arkansas drivers only purchase the least amount of liability that is required (25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
Better coverage you can count on
Low-cost auto insurance is attainable both online and with local Dardanelle insurance agents, so you need to with both to have the best rate selection. Some insurance providers do not offer rate quotes online and most of the time these small insurance companies work with independent agents.
Consumers leave their current company for many reasons like an unsatisfactory settlement offer, high prices, unfair underwriting practices or extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right auto insurance provider is actually quite simple.
Throughout this article, we presented many ideas to compare auto insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from the least-expected company.
Additional Arkansas car insurance resources
More detailed Arkansas auto insurance information is located at the Arkansas Insurance Department website. Arkansas consumers can file complaints about a company, view agent and company licensing information, read enforcement actions against agents and companies, and download brochures.