Confused by the dozens of car insurance options in Rogers? You’re not alone. Drivers have so many companies to choose from that it can easily become a challenge to find better rates.
It’s smart to shop coverage around quite often because prices are constantly changing. Just because you had the best deal six months ago you will most likely find a better rate today. You can find a lot of wrong information about car insurance on the internet, so by reading this article, you’re going to learn some of the best ways to find affordable car insurance.
If you have car insurance now, you should be able to save some money using these techniques. The purpose of this post is to instruct you on how car insurance quotes work and some tips to save money. But Arkansas drivers can benefit from knowing the way companies determine prices and apply this information to your search.
Fast and Easy Rogers Car Insurance Quotes
Most companies such as State Farm, Allstate and GEICO provide insurance quotes directly from their websites. This process is fairly simple as you just type in as detailed in the form. Upon sending the form, the company’s rating system will obtain credit information and your driving record and quotes a price.
Quoting online helps simplify price comparisons, but the process of having to visit several different sites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to have as many quotes as possible in order to find better prices.
The quickest way to find cheaper rates is to use a quote form to obtain quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes price shopping online a little more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process takes 15 minutes at the most and can result in significant savings.
In order to get comparison pricing now, click here and submit your coverage information. If you have your current policy handy, we recommend you type in the insurance coverages exactly as they are listed on your policy. Doing this guarantees you’re receiving an apples-to-apples comparison using the same coverage and limits.
Do drivers who switch really save?
State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies say the same thing that you’ll save big if you switch to them. How do they all make almost identical claims?
All the different companies have a preferred profile for the right customer that is profitable for them. For instance, a profitable customer might be profiled as a mature driver, a clean driving record, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and as a result will probably save when switching.
Potential customers who fall outside this ideal profile must pay a higher premium which usually ends up with business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can state the savings. This illustrates why drivers should get as many comparisons as possible. Because you never know which insurance companies will provide you with the cheapest rates.
Save big with these discounts
Auto insurance companies don’t always advertise every discount very clearly, so we break down some of the best known and the more hidden ways to save on car insurance.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
- Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
- Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break when buying car insurance.
- Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less than their less cautious counterparts.
- Low Mileage – Fewer annual miles can earn a substantially lower rate.
- 55 and Retired – If you’re over the age of 55, you can possibly qualify for better car insurance rates.
Keep in mind that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.
Even more information can be found at the Arkansas Insurance Department website. Arkansas consumers can get help finding coverage, file complaints about a company, and view a list of available companies.
Quote more, save more
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.
We’ve covered many ideas to lower your car insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising.
People change insurance companies for a variety of reasons including lack of trust in their agent, policy cancellation, an unsatisfactory settlement offer and even poor customer service. It doesn’t matter what your reason, choosing a new company can be pretty painless.