Top 7 Ways You Can Buy Car Insurance for Less in Wickes Arkansas

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out. Popular companies such as State Farm, Allstate, GEICO and Progressive continually hit you with advertising and it is difficult to sift through the bull and find the best price available.

It's important to compare prices at least once a year since rates are constantly changing. Just because you found the lowest price a few years ago a different company probably has better rates today. Block out anything you think you know about car insurance because you're about to find out how to use online quotes to find great coverage at a great price.

If you have a current car insurance policy or need new coverage, you can learn to find the best rates while maintaining coverages. Choosing the best insurance company for you in Wickes is quite easy. Arkansas drivers only need an understanding of the proper methods to find the lowest price over the internet.

Don't pay full price with these seven discounts

Auto insurance companies don't necessarily list all their discounts in a way that's easy to find, so we researched both the well known and the more hidden ways to save on car insurance. If you aren't receiving every discount possible, you are throwing money away.

Auto/Life Discount - Larger companies have better rates if you take out life insurance from them.
Drive Less and Save - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Homeowners Discount - Owning a house in Wickes may earn you a small savings due to the fact that maintaining a home shows financial diligence.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings on car insurance.
Claim Free - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.

Consumers should know that many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, companies don't profit that way.

The car insurance bait and switch

Consumers in Arkansas get pounded daily by advertisements that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim of big savings after switching your coverage to them.

How can each company claim to save you money?

Different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a desirable insured might be between 30 and 50, has no tickets, and has a short commute. Any new insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will have to pay a higher premium which leads to the customer not buying. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way insurance companies can confidently make the claims of big savings. Because of the profiling, drivers should quote coverage with many companies. It's just too difficult to predict which car insurance company will fit your personal profile best.

More tips and info about car insurance is located at the Arkansas Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, discover disciplinary actions, get help finding coverage, and view a list of available companies.

Best coverage at the best price

As you shop your coverage around, it's not a good idea to skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Cost effective car insurance can be sourced both online as well as from independent agents in Wickes, so compare prices from both to have the best selection. Some insurance providers don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.