Free Guide to Saving Money on Hasty Auto Insurance Online

Are you sick and tired of being strong-armed each month for car insurance? You're in the same situation as many other drivers in Arkansas.

Because you have many companies to choose from, it can be diffult for consumers to find the cheapest insurance company.

It's important to compare rates before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the best price last year there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because you're about to learn one of the best ways to buy cheaper auto insurance.

You have some control over your rates

Consumers need to have an understanding of the different types of things that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

Men pay higher rates - The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Your auto insurance rates can be influenced by your job - Did you know that where you work can have an impact on rates? Jobs such as lawyers, business owners and stock brokers tend to have the highest rates in part from high stress levels and lengthy work days. On the other hand, professions such as farmers, students and performers receive lower rates.
Teen drivers pay high rates - Teen drivers in Arkansas are known to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
Multiple policies with one company can save - Many insurers will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to ensure the best deal. You may still find better rates by insuring with multiple companies.
Don't get talked into coverage you don't need - There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Things like roadside assistance, towing coverage and term life insurance may be costing you every month. These may sound like a good investment when talking to your agent, but if they're wasting money remove them from your policy.
Drive less and save money - Driving more miles every year the more you will pay for auto insurance. Most insurance companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than those used for commuting. Make sure your auto insurance coverage properly reflects the proper vehicle usage.
Frequent auto insurance claims increase rates - Car insurance companies in Arkansas award discounts to insureds who are claim-free. If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Liability coverage is cheap - Liability coverage will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.

Compare Hasty Auto Insurance Costs

There are several ways of comparing rate quotes and find the best price. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form saves time by eliminating separate quotation requests for every auto insurance company. In just a few minutes this one form will get you rate comparisons from auto insurance companies with the best prices.
A less efficient way to compare rate quotes requires you to visit each company's website to complete a price quote. For instance, we'll pretend you want rates from , and . To get rate quotes you would need to go to every website and enter your policy data, and that's why the first method is more popular.

To view a list of companies in Hasty, click here.
The least recommended way to get comparison rates is driving to local Hasty insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a need for the trained guidance of a local Hasty agent. However, consumers can find lower rates online and still use a local agent.

It's your choice how you get your quotes, but ensure you're using apples-to-apples coverage information for every company. If your comparisons have unequal deductibles or liability limits you will not be able to decipher which rate is best in Hasty. Quoting even small variations in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes provides better odds of finding the best offered rates.

Take advantage of discounts

Companies offering auto insurance don't always advertise all their discounts very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

Save over 55 - If you're over the age of 55, you may be able to get better auto insurance rates.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Driver Safety - Completing a course in driver safety could save 5% or more if your company offers it.
Discount for New Cars - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.

A little note about advertised discounts, most discounts do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you won't be that lucky.

To choose companies who offer auto insurance discounts in Arkansas, click here to view.

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make an identical promise about savings after switching to their company. But how can every company make almost identical claims? This is how they do it.

All companies can use profiling for the driver that makes them money. For example, a desirable insured could possibly be a mature driver, is a homeowner, and drives newer vehicles. A driver who meets those qualifications receives the best rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that much. That's why companies can truthfully claim big savings. Because of the profiling, you need to get as many quotes as possible. It is impossible to predict the company that will give you the biggest savings.

Even more information can be found at the Arkansas Insurance Department website. Arkansas consumers can learn about insurance regulations, read industry bulletins, read enforcement actions against agents and companies, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Hasty.

Affordable insurance is out there

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage for the lowest price.

Cheaper auto insurance can be bought online and also from your neighborhood Hasty agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.