Free Guide to Spending Less for Rogers Auto Insurance Online

Paying for high-priced auto insurance can dwindle your savings account and force you to prioritize other expenses. Comparison shopping is a great way to help make ends meet. Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage on a regular basis since insurance rates are constantly changing. If you had the best price a few years ago a different company probably has better rates today. Ignore everything you know about auto insurance because you're about to find out the fastest and easiest way to lower your rates without sacrificing coverage.

More discounts equal less premium

Companies that sell car insurance don't necessarily list every available discount in a way that's easy to find, so we took the time to find some of the best known as well as the least known discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

  • Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • No Claims - Drivers who don't have accidents can save substantially compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
  • Military Discounts - Being deployed with a military unit can result in better rates.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

Arkansas auto insurance

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get big savings.

The list below includes a few of the "ingredients" that factor into your rates.

  • A clean driving record saves money - Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums than people who have multiple driving citations. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • High deductibles save money - Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
  • Rates may be higher depending on your occupation - Occupations like lawyers, social workers and dentists are shown to have the highest average rates because of high stress levels and lots of time spent at work. Other jobs such as pilots, historians and the unemployed pay the least.
  • More claims means more premium - Insurance companies in Arkansas generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can expect higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
  • Drive a safer car and pay less - Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
  • Don't let your coverage lapse - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a license revocation or jail time.

Switch companies and save? Really?

Arkansas drivers get pounded daily by advertisements for car insurance savings from companies such as State Farm and Allstate. All the ads have a common claim about savings if you move your policy.

How can each company say the same thing?

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a preferred risk might be profiled as a mature driver, insures multiple vehicles, and has a short commute. A propective insured that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Potential insureds who do not match the requirements will be charged more money and this can result in business not being written. The ads state "customers that switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully make the claims of big savings. That is why drivers should get quotes from several different companies. It's not possible to predict which insurance companies will fit your personal profile best.

For more Arkansas auto insurance information

Even more information can be found at the Arkansas Insurance Department website. Arkansas drivers can file complaints about a company, report car insurance fraud, read industry bulletins, and download brochures.

In the end, you save

Throughout this article, we presented a lot of ways to reduce auto insurance prices online. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with the least-expected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

Cheaper auto insurance is definitely available on the web in addition to many Rogers insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.