Cheaper Springdale Car Insurance Rates in Five Minutes

Finding lower rates for Springdale car insurance can seem to be difficult for consumers new to comparing rates online. Consumers have so many options that it can be a ton of work to find the best price in Springdale.

Policy discounts you shouldn’t miss

Car insurance companies don’t list all available discounts in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.
• Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
• Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
• Driver’s Ed – Require your teen driver to complete a driver education course in high school.
• Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
• Paperless Signup – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

For a list of insurers who offer car insurance discounts in Springdale, click here to view.

What determines how much you pay?

It’s important that you understand the factors that help determine your car insurance rates. Understanding what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

The following are a few of the “ingredients” car insurance companies consider when setting premiums.

• Bad driving skills means higher rates – Your driving citation history has a huge affect on how much you pay. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Only having one moving violation can bump up the cost forty percent or more. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
• More miles equals more premium – The more miles you rack up on your car each year the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your car insurance policy shows how each vehicle is driven.
• Little extras can really add up – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• With age comes lower rates – Teen drivers in Arkansas have a tendency to be careless and easily distracted when driving so they pay higher car insurance rates. If you’ve ever had to add a teenage driver to your car insurance policy can really hurt. More mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.

Insurance agents can help

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can aid in determining if your situation might need professional guidance.

• What is the difference between comprehensive and collision coverage?
• Does my policy cover my teen driver if they drive my company car?
• Does my liability insurance cover pulling a trailer or camper?
• Is borrowed equipment or tools covered if stolen or damaged?
• When should I drop full coverage on my vehicle?
• Is business equipment covered while in my vehicle?
• Should I have combined single limit or split liability limits?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Informative consumer insurance sites

Additional detailed information can be read at the Arkansas Insurance Department website. Consumers can read consumer alerts, find out which companies have the most complaints, read industry bulletins, and learn about specific coverages.

A little work can save a LOT of money

People switch companies for a variety of reasons including poor customer service, high rates after DUI convictions, extreme rates for teen drivers and lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut uninsured motorist or liability limits and learned later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

In this article, we covered some good ideas how to shop for car insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising.