10 Discounts Alexander Consumers Forget when Shopping for Car Insurance

Expensive car insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Online insurance companies like GEICO and Progressive persitently shower you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

It's important to compare rates on a regular basis since rates are constantly changing. If you had the lowest price a few years ago there may be better deals available now. You'll find quite a bit of inaccurate information about car insurance on the web, but I'm going to show you some great ways to stop overpaying for insurance.

Alexander car insurance comparison

Be sure to get all your discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but a few must be manually applied before they will apply.

  • College Student - Kids in college who are attending college without a vehicle on campus can receive lower rates.
  • Own a Home - Owning a house in Alexander can help you save on car insurance because of the fact that having a home shows financial diligence.
  • Drivers Ed for Students - Require your teen driver to complete a driver education course in high school.
  • Government Employees - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • New Car Discount - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Drive Less and Save - Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
  • Sign Online - A few companies will give a small break for buying your policy digitally online.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.

For a list of companies with the best car insurance discounts in Alexander, click here to view.

Which Car Insurance is Cheapest in Alexander, Arkansas?

There are several ways to compare car insurance quotes, but some are more efficient than others. You can waste hours discussing policy coverages with insurance agencies in Alexander, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most car insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on that information. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The single downside to using this type of system is you are unable to specify the companies to receive prices from. So if you want to choose from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in Arkansas. View list of Arkansas insurance companies.

It's up to you which method you use, but ensure you are comparing exactly the same deductibles and coverage limits on every quote. If the quotes have different values for each quote it will be very difficult to make a fair comparison in Alexander. Quoting even small variations in coverages may result in a large different in cost. Just remember that getting more free quotes will improve the odds of getting better pricing.

Final considerations

As you shop your coverage around, it's a bad idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest price.

Cheap car insurance is possible from both online companies and also from your neighborhood Alexander agents, and you need to price shop both to get a complete price analysis. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.