New Strategies for Cutting Costs on on Springdale Car Insurance

If price shopping car insurance online is new to you, you may be confused by the hoards of companies offering coverage in Springdale.

Cheap Springdale Car Insurance Comparisons

There are multiple methods to compare car insurance prices and some are less time-consuming than others. You could spend your day discussing policy coverages with agents in Springdale, or you can utilize the web to get pricing more quickly.

Many popular insurance companies belong to an insurance system where prospective buyers complete one form, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to using this type of form is you can’t choose which insurance companies to get pricing from. So if you prefer to choose from a list of companies for rate comparison, we have a page of car insurance companies in Arkansas. Click to view list.

Which method you use is up to you, but ensure you’re using identical coverages on every quote you get. If the quotes have different liability limits it will be very difficult to find the best deal in Springdale.

Advertising myths

Arkansas drivers can’t ignore all the ads for the lowest price auto insurance by GEICO, State Farm and Progressive. All the companies say the same thing that you’ll save big if you move to their company.

How does each company say the same thing? This is how they do it.

Different companies have a preferred profile for the type of customer they prefer to insure. A good example of a preferred risk could be a mature driver, has no tickets, and chooses high deductibles. Any driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Drivers who are not a match for the requirements will be quoted a higher premium and this can result in business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save that much. That’s the way companies can state the savings. This emphasizes why it’s extremely important to get as many comparisons as possible. It is impossible to predict which insurance companies will fit your personal profile best.

You probably qualify for some discounts

Companies don’t always publicize every available discount very clearly, so we took the time to find both well-publicized and also the lesser-known car insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you will save up to 20% off your total premium.
  • Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Early Switch Discount – A few companies offer discounts for switching policies before your current policy expires. It’s a savings of about 10%.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more than less cautious drivers.

Consumers should know that some credits don’t apply to all coverage premiums. Most cut specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free car insurance policy, companies don’t profit that way.

To see a list of insurance companies offering car insurance discounts in Springdale, follow this rates in Arkansas

Don’t I need to talk to an agent?

Some consumers would rather sit down with an agent and that is a personal choice. Professional agents can point out coverage gaps and help in the event of a claim. One of the great benefits of comparing insurance prices online is you can get lower rates and still have an agent to talk to.

To help locate an agent, after submitting this quick form, the quote information is submitted to insurance agents in Springdale who will compete for your business. There is no need to leave your house as quotes are delivered straight to your inbox. Now that’s easy!

Choosing an insurance company should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are you getting all the discounts the company offers?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Does the company allow you to choose your own collision repair facility?
  • What insurance companies do they recommend if they are an independent agent?

Types of insurance agents

When researching an insurance agent, you need to know there are two types of insurance agents that you can select. Agents can either be independent (non-captive) or captive. Either one can write coverage properly, but it’s good to learn how they are different because it can impact your agent selection.

Captive Insurance Agents

This type of agents can only write with one company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Captive agents receive extensive training on their company’s products and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of high brand loyalty and strong financial ratings.

Below is a short list of captive insurance agents in Springdale who can help you get rate quotes.

  • Farm Bureau Insurance – 3020 W Huntsville Ave – Springdale, AR 72762 – (479) 750-2062
  • State Farm Insurance – 2871 American St – Springdale, AR 72764 – (479) 750-1500
  • Farmers Insurance Group – 1006 S Pleasant St – Springdale, AR 72764 – (479) 751-4738
  • Shelter Insurance – 400 W Robinson Ave – Springdale, AR 72764 – (479) 750-2222
  • Allstate Insurance – 1602 E Robinson Ave – Springdale, AR 72764 – (479) 751-2215
Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and that require little work on your part. When comparing rates, it’s recommended you contact at least one independent agent for maximum quote selection. They often place coverage with smaller regional carriers which can be an advantage.

Listed below are independent agencies in Springdale willing to provide comparison quotes.

  • Direct General Ins Agency – 5204 S Thompson St # B – Springdale, AR 72764 – (479) 750-4455
  • Amy Johnson Agency – 201 W Emma Ave # B – Springdale, AR 72764 – (479) 756-8222
  • J O Hoggard Insurance – 807 W Bailey Ave – Springdale, AR 72764 – (479) 725-1200
  • Brad Gessler Insurance – 5537 Bleaux Ave – Springdale, AR 72762 – (479) 271-8444
  • Rick Mc Cain Agency – 1402 Arapaho Ave – Springdale, AR 72764 – (479) 751-7023

For a complete listing of licensed insurance agents in Springdale, visit this link.

Upon receiving answers to your satisfaction for all questions you ask and a good coverage price, you’ve probably found an insurance agent that can properly insure your vehicles.

How much car insurance do I need?

When buying the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

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For instance, these questions might point out if your insurance needs may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Why is insurance for a teen driver so high in Springdale?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my babysitter covered when using my vehicle?
  • Do I qualify for additional discounts?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

More detailed Arkansas car insurance information is available at the Arkansas Insurance Department website. Consumers can read industry bulletins, report car insurance fraud, and learn about insurance regulations.

Final considerations

Consumers leave their current company for a number of reasons such as high prices, denial of a claim, poor customer service and even delays in paying claims. It doesn’t matter what your reason, switching car insurance companies can be less work than you think.

Budget-conscious car insurance is available both online and with local Springdale insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Throughout this article, we presented many ideas to reduce car insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from an unexpected company.