5 Tricks to Save on Auto Insurance in Rogers

Are you confused by the sheer number of auto insurance options in Rogers? Many other drivers are as well. Consumers have so many options available that it can turn into more work than you anticipated to compare prices.

Choosing the best insurance company for you in Rogers is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. Arkansas vehicle owners only need to know how to find the lowest price online.

Compare the Market for Auto Insurance in Rogers

There are a variety of methods to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours driving to insurance agencies in Rogers, or you could use online quotes to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system that enables customers to send in one quote, and each participating company then returns a price quote. This saves time by eliminating quote forms to every company.

To use this form to compare rates click here to open in new window.

The only downside to using this type of system is you are unable to specify which providers to get quotes from. So if you want to choose from a list of companies to compare rates, we put together a list of companies who write auto insurance in Arkansas. View list of Arkansas insurance companies.

Whichever way you use, double check that you are using the exact same coverages with every price quote. If you are comparing different deductibles it will be next to impossible to determine which rate is truly the best in Rogers.

Take these 5 discounts and save

Auto insurance companies don’t necessarily list every discount very well, so we researched both well-publicized as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get better auto insurance rates.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • One Accident Forgiven – A handful of insurance companies permit an accident before your rates go up if your claims history is clear for a set time period.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

To choose insurance companies who offer auto insurance discounts in Arkansas, click this link.

Won’t my local insurance agent miss me?

A small number of people would prefer to get advice from a local agent and that is OK! Educated insurance agents can help determine the best coverages and give you someone to call. One of the best bonuses of price shopping on the web is you may find the lowest rates and still have an agent to talk to.

By using this form (opens in new window), your coverage information is sent to agents in your area who will return price quotes for your business. There is no need to leave your computer because quoted prices will be sent immediately to your email address. It doesn’t get any easier!

Deciding on an insurer shouldn’t rely on just a low price. Agents should be asked these questions:

  • Do they review policy coverages at every renewal?
  • How long have they worked with personal auto insurance coverage?
  • Do they specialize in personal lines coverage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are they able to influence company decisions when a claim is filed?
  • How much will you save each year by using a higher deductible?

What types of auto insurance agents are in Rogers?

If you’re trying to find an insurance agent, there are two different types of agents from which to choose. Agents can either be independent or captive. Both do a good job, but it’s worth learning the differences because it can impact your selection of an agent.

Agency Captives

This type of agents have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captives are trained well on their products and sales techniques which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Below is a list of captive insurance agents in Rogers willing to provide price quotes.

  • Shelter Insurance – 2003 Horsebarn Rd – Rogers, AR 72758 – (479) 271-9684
  • State Farm Insurance – 302 N 8th St – Rogers, AR 72756 – (479) 636-9944
  • Farmers Insurance Group – 1804 W Olive St – Rogers, AR 72756 – (479) 636-9390
  • Allstate Insurance Co – 11 Halsted Cir # A – Rogers, AR 72756 – (479) 636-4919
Independent Insurance Agents

Independent agencies do not work for one specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include price quotes from multiple independent agents to have the most options to choose from. They also have the ability to place coverage with different regional companies which can save you money.

Listed below are independent insurance agencies in Rogers that are able to give comparison quotes.

  • Nationwide Insurance – 1207 N Quail Ter – Rogers, AR 72756 – (479) 986-0338
  • Jack Duguid Insurance – 8316 Shaddox Mountain Dr – Rogers, AR 72756 – (479) 925-1289
  • Direct General Ins Agency – 2810 W Walnut St – Rogers, AR 72756 – (479) 631-6474

To view a complete directory of insurance agents in Rogers, please view this page.

Once you have positive responses to all your questions in addition to an acceptable price estimate, you may have just found an insurance agent that meets your needs to provide auto insurance coverage.

More detailed Arkansas auto insurance information is available at the Arkansas Insurance Department website. Arkansas consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and file complaints about a company.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, dental work, prosthetic devices, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your vehicle.

Because many people only carry the minimum required liability limits (25/50/25 in Arkansas), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability insurance – Liability coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like attorney fees, medical services and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford. Arkansas state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy more liability than the minimum.

Collision coverages – This pays for damage to your vehicle resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, rolling your car, crashing into a ditch, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a broken windshield, damage from getting keyed and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Final thoughts

You just read a lot of information how to shop for auto insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest rates come from the smaller companies.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at a price you can afford.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, questionable increases in premium, high prices and even being labeled a high risk driver. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.