Finding cheap Osceola auto insurance is kind of frustrating for drivers not familiar with buying insurance online. Consumers have so many options available that it can be a real challenge to find the perfect company for you.
Ways to get auto insurance quotes in Osceola, Arkansas
All the larger auto insurance companies make it easy to get insurance quotes from their websites. Getting online rates is possible for anyone as you just type in your coverage information into a form. When the form is submitted, the company’s rating system orders credit information and your driving record and returns a price based on the data you entered.
Online price quotes streamlines rate comparisons, but the time it takes to visit different websites and enter the same data into a form gets old quite quickly. But it is imperative to compare as many rates as possible if you are searching for a better rate.
There is a better way!
A better way to find lower prices utilizes a single form that gets price quotes from a lot of companies. It saves time, reduces the work, and makes online quotes a little more enjoyable. Once the form is submitted, it gets priced and you are able to buy any one of the quotes returned.
If you find a better price you simply finish the application and purchase the new policy. The whole process only takes a few minutes and can result in significant savings.
In order to use this form to compare rates, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you input your coverages exactly as they are listed on your policy. Doing this assures you will get rate comparison quotes based on identical coverages.
Auto insurance policy discounts you can’t miss
Auto insurance can be pricey, but you may find discounts that many consumers don’t even know exist. Some of these disounts will be visible at the time of quoting, but occassionally some discounts must be asked for before they will apply.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
- Discount for New Cars – Buying a new car model can cost up to 25% less since new model year vehicles have better safety ratings.
- Discount for Low Mileage – Fewer annual miles could earn lower premium rates due to less chance of an accident.
- Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
- Driving Data Discount – Drivers who elect to allow driving data submission to monitor driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm may see discounts as long as the data is positive.
Don’t be shocked that some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. But any discount should definitely cut the amount you have to pay.
Some of the insurance companies who might offer these discounts are:
If you want , ask every prospective company which credits you are entitled to. Discounts may not apply in every state. To choose providers who offer cheap auto insurance quotes in Arkansas, click here to view.
Insurance agents can help
When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
These are some specific questions may help highlight whether you might need professional guidance.
- Do I have coverage when pulling a U-Haul trailer?
- Does my car insurance cover rental cars?
- Am I getting all the discounts available?
- Do I need PIP coverage since I have good health insurance?
- I don’t drive much so do I pay less?
- When should my teen driver be added to my policy?
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
Auto insurance buyers beware
Arkansas consumers can’t avoid all the ads that claim the cheapest car insurance rates from the likes of Allstate and Progressive. They all seem to make the point of big savings just by switching your policy.
It sounds good, but how can they all charge you a lower premium? Just pay attention to how they say it.
All the different companies require specific criteria for a prospective insured that will not have excessive claims. For example, a driver they prefer might be between the ages of 30 and 50, has never had a claim, and has great credit. Anyone who matches those parameters may get the lowest car insurance rates in Osceola and therefore will save when switching.
Potential customers who don’t measure up to those standards will probably have to pay more expensive rates and this can result in business going elsewhere. The wording the ads use say “drivers that switch” not “all people who quote” will save that much if they switch. This is how companies can make those claims.
That is why it’s extremely important to compare often. It’s just too difficult to predict the company that will provide the lowest car insurance rates.
Auto insurance policy specifics
Knowing the specifics of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Auto liability insurance
This coverage will cover damage or injury you incur to other’s property or people in an accident. It consists of three limits, 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 means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims such as repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford. Arkansas state law requires minimum liability limits of 25,000/50,000/25,000 but drivers should carry better liability coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
Collision coverage
Collision coverage pays for damage to your vehicle caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch, hitting a mailbox, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your vehicle.
Since many Arkansas drivers have only the minimum liability required by law (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive coverage
This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
You can find cheaper coverage
Some insurance companies do not offer the ability to get quotes online and most of the time these regional insurance providers work with independent agencies. Affordable auto insurance can be sourced from both online companies in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money.
Drivers leave their current company for a number of reasons such as delays in paying claims, extreme rates for teen drivers, not issuing a premium refund and even poor customer service. Regardless of your reason for switching companies, switching companies can be easy and end up saving you some money.
As you shop your coverage around, you should never skimp on coverage in order to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to find out that it was a big mistake. Your focus should be to get the best coverage possible for the lowest price, but do not skimp to save money.
More Arkansas auto insurance information
Additional information can be read on the located here. Consumers can get help finding coverage, read state legal mandates and laws, and report car insurance fraud.