Car Insurance in Arkadelphia, AR - 5 Discounts You Might be Forgetting

Are you overwhelmed by the crazy number of car insurance options in Arkadelphia? You're not alone. There are so many options that it can turn into a ton of work to find the perfect company for you.

Comprehensive Arkadelphia Car Insurance Comparison Quotes

Cutting your car insurance rates doesn't have to be difficult. Consumers just need to take time comparing rate quotes online with multiple companies. It is quite easy and can be accomplished in a couple of different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form eliminates the need for repetitive form submissions for each company you want a rate for. Completing one form compares rates from multiple companies.It's the quickest way to get rates.
  • A different way to shop for car insurance online is going to each individual company website and request a quote. For examples sake, let's say you want to compare rates from , and . To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in Arkadelphia, click here.
  • The hardest method to compare rates is to drive around to different agent offices. Buying insurance online has reduced the need for local agents unless you require the professional advice that only a license agent can provide. Drivers can get the lowest quotes online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just compare exactly the same coverage limits and deductibles with every price quote. If you use different liability limits it's not possible to find the best deal in Arkadelphia.

Policy discounts you shouldn't miss

Insurance can cost an arm and a leg, but you can get discounts that many people don't even know exist. Some discounts apply automatically at the time you complete a quote, but a few need to be specifically requested prior to getting the savings. If you aren't receiving every discount possible, you're paying more than you need to.

  • Memberships - Belonging to a civic or occupational organization could trigger savings when buying car insurance.
  • Defensive Driver - Successfully completing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Federal Government Employee - Being employed by or retired from a federal job could cut as much as 10% off depending on your company.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.

Keep in mind that many deductions do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will reduce the amount you have to pay.

To see a list of insurers offering car insurance discounts in Arkadelphia, click this link.

Find out more about car insurance

More information can be found on the Arkansas Insurance Department website located here. Consumers can find out which companies have the most complaints, discover disciplinary actions, and read consumer alerts.