Bryant Arkansas Car Insurance Savings the Insurance Companies Don’t Want You to Know About

Are you a victim of overpriced car insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like Progressive, GEICO and Farmers Insurance constantly bombard you with advertising and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

If you have a policy now or need a new policy, you can use these techniques to get lower rates and still get good coverage. Finding the best rates in Bryant is not that difficult. Arkansas consumers just need to understand the most effective way to get comparison quotes over the internet.

Components of your insurance rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get better car insurance rates.

• Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
• Please use or commuting – The more miles you rack up on your car in a year the higher your rates will be. Most companies price each vehicle’s coverage based on their usage. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects how each vehicle is driven.
• Lower deductibles cost more – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend out-of-pocket before your car insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
• Your stress level may be raising your rates – Did you know your job can affect your rates? Jobs such as doctors, executives and dentists tend to pay the highest average rates attributed to job stress and long work hours. Other occupations such as scientists, historians and homemakers have the lowest average rates.
• Do you know you’re credit rating? – Your credit score is a huge factor in calculating your car insurance rates. If your credit is lower than you’d like, you could be paying less to insure your by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than those with poor credit.

Fast and Easy Bryant Car Insurance Quotes

Getting a lower price on insurance can be quick and easy. All that’s required is to spend a little time to compare quotes online from several insurance companies. This can be accomplished in several different ways.

1. The recommended way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each company. Just one form will return price quotes .
2. Another way to get comparison quotes requires visiting the website for every company you want to comare to request a price quote. For example, let’s say you want comparison quotes from Progressive, Farmers and Allstate. To get each rate you have to visit each site to input your insurance information, which is why the first method is quicker.

   For a list of links to insurance companies in Bryant, click here.

It’s your choice how you get your quotes, but double check that you are using identical coverages for every quote you compare. If you are comparing different limits and deductibles on each one it’s impossible to determine the lowest rate in Bryant.

Are you falling for claims of savings?

Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. All the ads say the same thing that you can save if you change to them.

How do they all make the same claim?

All companies can use profiling for the right customer that earns them a profit. A good example of a desirable insured could be between 30 and 50, owns a home, and chooses high deductibles. A customer who fits that profile will get very good rates and therefore will save when switching.

Potential customers who are not a match for this ideal profile will be charged higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “people who quote” save that much money. This is how insurance companies can make the claims of big savings. That is why you should compare many company’s rates. It’s not possible to predict which car insurance company will provide you with the cheapest rates.

Save big with these discounts

Auto insurance companies do not advertise every discount in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on car insurance. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Service Members Pay Less – Being deployed with a military unit can result in better rates.
• Memberships – Belonging to a civic or occupational organization is a good way to get lower rates when buying car insurance.
• Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

To see a list of insurance companies with discount car insurance rates in Arkansas, click here to view.

Even more information is available at the Arkansas Insurance Department website. Arkansas consumers can find disaster information, view a list of available companies, find out which companies have the most complaints, and view agent and company licensing information.

Final thoughts

You just read some good ideas how to get a better price on car insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest priced car insurance comes from an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

Low-cost car insurance is definitely available online and also from your neighborhood Bryant agents, and you should compare price quotes from both to have the best selection. Some car insurance companies may not provide online quoting and these smaller companies work with independent agents.