Bentonville Car Insurance For Less Than You’re Paying Now

Have you had enough of robbing Peter to pay Paul to pay your car insurance bill each month? You are in the same boat as the majority of other car owners in Arkansas.

Because you have many insurance companies to choose from, it is hard for the average consumer to find the lowest price provider.

Shopping for the best protection in Bentonville is easy if you know what you’re doing. Basically, every vehicle owner who carries car insurance should be able to reduce their rates. But Arkansas vehicle owners should learn how companies price insurance differently and use this information to your advantage.

How insurance companies determine rates

Consumers need to have an understanding of the rating factors that go into determining car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in lower car insurance prices.

  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Do you need the policy add-ons? – There are a ton of additional coverages that can waste your money if you aren’t careful. Insurance for roadside assistance, accident forgiveness and motor club memberships are examples of these. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Never go without insurance – Driving without insurance is illegal and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage may earn you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with the Arkansas department of motor vehicles.
  • Rates may be higher depending on your occupation – Did you know your job can affect your rates? Occupations such as doctors, social workers and dentists tend to have the highest average rates because of job stress and long work days. Other jobs such as actors, historians and homemakers receive lower rates.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Companies in Arkansas provide discounts to people who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.
  • What type of vehicle do you drive? – The performance of the vehicle you are buying insurance for makes a huge difference in determining your rates. Small economy passenger vehicles receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
  • Marriage pays dividends – Being married actually saves money on your policy. Having a significant other usually means you are more mature and responsible it has been statistically shown that being married results in fewer claims.
  • A clean driving record saves money – Good drivers tend to pay less for car insurance than bad drivers. Just one citation can increase rates twenty percent or more. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to continue driving.

Discounts can save BIG

Car insurance can cost a lot, but companies offer discounts to help bring down the price. Some discounts apply automatically when you purchase, but some may not be applied and must be asked for prior to getting the savings.

  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Life Insurance Discount – Some companies give better rates if you take out auto and life insurance together.
  • Accident Free – Drivers who don’t have accidents can save substantially when compared to accident-prone drivers.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks simply for signing on their website.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Memberships – Belonging to a professional or civic organization is a good way to get lower rates on car insurance.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn 10% to 20% off each policy.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut your overall premium however.

For a list of providers with discount car insurance rates in Bentonville, follow this link.

Your local neighborhood insurance agent

Some consumers would rather buy from a licensed agent and that is just fine! The best thing about price shopping on the web is you can get better rates and still choose a local agent. And providing support for local agencies is important particularly in Bentonville.<img class="alignright" style="padding-top:15px;" src="" alt="Bentonville Arkansas car insurance quote”/>

To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to participating agents in Bentonville who will return price quotes to get your business. There is no need to leave your house as quotes are delivered directly to your email. How cool is that?! You can find better rates without the usual hassles of price shopping.

Below are agents in Bentonville willing to provide rate quotes.

Farm Bureau Insurance – 1601 SW A St, Bentonville, AR 72712 – (479) 273-7786
Jerry Lamb Agency – 1401 SE Walton Blvd # 115, Bentonville, AR 72712 – (479) 631-6898
Advantage 1 Insurance – 2308 SE 28th St # 9, Bentonville, AR 72712 – (479) 273-0660
Allstate Insurance – 100 SW 14th St # 2, Bentonville, AR 72712 – (479) 271-0649
State Farm Insurance – 1003 SE 14th St, Bentonville, AR 72712 – (479) 273-9993
Farm Bureau Insurance – 1601 SW A St, Bentonville, AR 72712 – (479) 273-7786
Farmers Insurance Group – 1912 S Walton Blvd # B, Bentonville, AR 72712 – (479) 273-2726

Deciding on a company needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

  • Do the companies they represent have a solid financial rating?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Which insurance companies are they affiliated with?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they specialize in personal lines coverage?
  • What will you get paid if your car is a total loss? How is that amount determined?

Upon receiving reasonable responses to these questions and a good coverage price, most likely you have located an insurer that meets your needs to properly service your car insurance policy.

Is my situation unique?

When choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can aid in determining whether you would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I required to buy high-risk coverage?
  • I don’t drive much so do I pay less?
  • Am I covered when driving in Canada or Mexico?
  • Should I buy only the required Arkansas minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance in Bentonville AR

For more information

Much more information about car insurance in Arkansas can be found on the website for the Arkansas Insurance Department located here. Consumers can find out which companies have the most complaints, download brochures, read consumer alerts, and file complaints about an insurance agent or broker.

Other useful links include Auto Insurance 101 and see this list of insurance agents in Bentonville.

Shop smart and save

As you restructure your insurance plan, never buy poor coverage just to save money. In many cases, an accident victim reduced liability limits or collision coverage only to find out that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

We covered many ideas to save on car insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a lesser-known regional company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

Cost effective car insurance can be purchased online and also from your neighborhood Bentonville agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.