Quote Jacksonville Car Insurance Cheaper With These Proven Methods

Are you overwhelmed by the crazy number of car insurance options in Jacksonville? You have a lot of company. Consumers have so many options available that it can be a real challenge to find the perfect company for you.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t always publicize all their discounts very well, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can get savings of more than 20%.
  • Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Accident Waiver – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Paperless Signup – A handful of insurance companies will give a small break just for signing your application online.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

To choose insurers who offer car insurance discounts in Arkansas, click this link.

Car insurance is unique, just like you

When it comes to buying the best car insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • Do I need to file an SR-22 for a DUI in Arkansas?
  • Should I sign the liability waiver when renting a car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Why am I required to buy high-risk coverage?
  • Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Compare online but buy from a local Jacksonville agent

Some people prefer to sit down with an agent and that is just fine! Agents are trained to spot inefficiencies and help you file claims. The best thing about comparing rates online is the fact that you can find the lowest rates but still work with a licensed agent.

To make it easy to find an agent, after completing this simple form, the coverage information is immediately sent to companies in Jacksonville who will battle for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go directly to your email. How’s that for easy!

Deciding on an insurer should depend on more than just a cheap price. Agents should be asked these questions:Jacksonville AR car insurance

  • If your car is totalled, how to they determine the replacement cost?
  • Is the agency involved in supporting local community causes?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Which company do they place the most coverage with?
  • How much can you save by raising your physical damage deductibles?
  • Are claims handled at the agent’s location?

Different types of Jacksonville auto insurance agents

When searching for a local agent, there are a couple of different types of agents to choose from. Agents are classified as either independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s important to know the differences since it can impact the type of agent you choose

Captive Insurance Agents

These agents are contracted to one company like American Family, State Farm and Allstate. They usually cannot compare other company’s rates so they have to upsell other benefits. They are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents mainly due to loyalty to the company and strong financial ratings.

Below is a list of captive insurance agencies in Jacksonville who may provide you with price quotes.

  • State Farm Insurance – 509 J P Wright Loop – Jacksonville, AR 72076 – (501) 982-9457
  • Shelter Insurance – 517 N 1st St # 12 – Jacksonville, AR 72076 – (501) 982-7481
  • Allstate Insurance Co – 1715 T P White Dr – Jacksonville, AR 72076 – (501) 985-1493
  • Farm Bureau Insurance – 301 N 1st St # B – Jacksonville, AR 72076 – (501) 985-3784
Independent Agencies or Brokers

Independent agencies are not required to write business for one company but rather can write business amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies and that require little work on your part. When comparison shopping, you should always include at least one independent agent to have the most options to choose from.Many can place coverage with smaller regional carriers which may provide better rates.

Shown below are Jacksonville independent insurance agents that are able to give price quote information.

  • Todd Martin Insurance – 210 John Harden Dr – Jacksonville, AR 72076 – (501) 985-9794
  • Direct General Ins Agency – 425 W Main St – Jacksonville, AR 72076 – (501) 985-4455
  • Insurance Agency Of Sherwood – 1326 John Harden Dr – Jacksonville, AR 72076 – (501) 985-2999
  • Insurance Agency Of Sherwood – 1326 John Harden Dr – Jacksonville, AR 72076 – (501) 985-2999

For a complete listing of insurance agents in Jacksonville, please click here.

After getting positive feedback to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that will insure your vehicles.

Is there deception in advertising?

Arkansas consumers constantly see and hear ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. All the companies have a common claim of big savings if you switch your coverage to them.

How can each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the right customer they prefer to insure. For instance, a preferred risk could be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and therefore will save when they switch companies.

Potential insureds who don’t qualify for this ideal profile will have to pay a higher premium which leads to the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can make the claims of big savings. Because of the profiling, you should get quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest rates.

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Even more information is located at the Arkansas Insurance Department website. Arkansas drivers can read consumer alerts, view a list of available companies, file complaints about an insurance agent or broker, and learn about insurance regulations.

The articles below may also help you learn more about car insurance in Jacksonville

Smart consumers save more

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped collision coverage only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at an affordable rate while still protecting your assets.

People switch companies for many reasons like lack of trust in their agent, high prices, policy cancellation and even policy non-renewal. Regardless of your reason, finding a great new company is less work than it seems.

Affordable car insurance can be sourced from both online companies in addition to many Jacksonville insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.