Arkansas, like many other states, insists that you have car insurance before you drive on public roads within the state. You could face severe penalties and even lose your driving privileges for a while if you don’t purchase car insurance. Driving without insurance can put you at great risk in case of an accident. It could also result in the garnishment or even loss of your home.
It is therefore important to get the best car insurance rates in Arkansas and the best coverage possible.
How can you do this? Let’s begin by discussing some of the ways you can obtain the insurance you need at the lowest price. Next, we will go online to compare rates from various Arkansas car insurance companies until we find the best deal.
We will start by getting to know you and your driving habits. How you drive can have a huge impact on how much insurance you pay. Do you speed? Do you drive recklessly? Your car insurance will be more expensive if you get speeding tickets or any other moving violation.
For several years, a DUI conviction or DWI conviction will cause your car insurance rates to soar.
Ask your agent for a Low Mileage Discount if you only drive a few hundred miles per week. These discounts can help you save a lot of money.
Are you in school? Your insurance rates will be high if you are under 25. A Good Student Discount can help you save as much as 15% if you keep your education up-to-date and have a minimum 3.0 GPA.
Are you over 55 years old? Talk to your agent about taking a driver’s education course. Although not all insurance companies offer this course, if you are approved by your company, you could save around 10% on your monthly car insurance.
Are you driving an older or less-valuable car? You are probably throwing your money away if your car is older or has low Kelly Blue Book value. Your insurance company won’t pay more than Blue Book Value for your vehicle in the event of an accident, regardless of whether or not you have collision and comprehensive insurance. You can cancel the coverage.
Your car insurance deductible is the most important source of savings. Your deductible is the amount you will have to pay to fix your vehicle in case of a claim. Your monthly premiums will be lower if you pay more than you can afford and your insurance company pays less.
It’s done. You’ve now created the best policy possible. Let’s go online to find the best price. There are dozens of websites that allow you to compare prices among different insurance companies. Many people mistakenly believe that every website compares all the Arkansas insurance companies.
This is simply not true. Each site only compares a few companies. To truly compare all the companies available, you will need to complete the forms on at most three different websites and then find the lowest rate. After you’ve done this, you can be confident that you have the lowest rate for car insurance in Arkansas.