Using the web to shop for Harrison car insurance can seem like an uphill battle if you’re new to online rate quotes. But relax because we’re going to show you how.
Are you getting all your discounts?
Auto insurance companies don’t always advertise all available discounts very clearly, so we researched some of the best known and the more hidden ways to save on car insurance.
- Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Government Employees – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
- Drivers Ed for Students – Require your teen driver to take driver’s ed class in school.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- E-sign – A few companies will discount your bill up to fifty bucks just for signing your application online.
- Auto/Life Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
- No Claims – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
- Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
- Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
- Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply until age 25.
It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. Just because you may think you can get free auto insurance, it just doesn’t work that way.
To choose insurance companies who offer car insurance discounts in Arkansas, click here to view.
Tailor your coverage to you
When it comes to buying proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different.
For instance, these questions can help discover whether or not you will benefit from professional help.
- Will my rates increase for filing one claim?
- Am I covered when pulling a rental trailer?
- Do I need to file an SR-22 for a DUI in Arkansas?
- Do I have coverage when making deliveries for my home business?
- How high should my medical payments coverage be?
- Are my friends covered when driving my vehicle?
- Is my custom paint covered by insurance?
- Do I need PIP coverage since I have good health insurance?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
Auto insurance coverages
Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since many Arkansas drivers carry very low liability coverage limits (25/50/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Collision insurance will pay to fix damage to your vehicle from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims such as sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.
Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims like repair bills for other people’s vehicles, legal defense fees and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Arkansas requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying better liability coverage.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as damage from flooding, hail damage and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like prosthetic devices, dental work, funeral costs, EMT expenses and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Arkansas car insurance information
Even more information is available at the Arkansas Insurance Department website. Arkansas drivers can file complaints about an insurance agent or broker, find out industry alerts, read state legal mandates and laws, and get help finding coverage.
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- Costing Too Much for Car Insurance in Harrisonburg? Heres How to Save!
- Learn How to Cut Costs on Harrisonburg, VA Auto Insurance
Smart shoppers get results
While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Insureds leave their current company for many reasons like an unsatisfactory settlement offer, questionable increases in premium, lack of trust in their agent and denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.
We just presented a lot of information how to get a better price on car insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from an unexpected company.