6 Tips to Save on Car Insurance in Atkins Arkansas

Finding lower premiums on Atkins car insurance is difficult for consumers not familiar with buying insurance online. Drivers have so many options available that it can be a lot of work to locate the lowest price in Atkins.

compare Atkins car insurance rates

Compare Atkins Car Insurance Costs

There are several ways to get quotes and find the best price. One of the best ways to find the cheapest insurance rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The fastest way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate forms to each individual car insurance company. In just a few minutes this one form will get you rate comparisons from several companies. Just one form and you're done.
  2. A more time consuming way to compare rate quotes requires you to visit the website of each company to complete a price quote. For instance, we'll pretend you want rates from , and . To find out each rate you need to go to every website and enter your policy data, which is why most consumers use the first method.

    To view a list of companies in Atkins, click here.

However you get your quotes, ensure you're using apples-to-apples coverage information with each company. If you use unequal deductibles or liability limits it will be impossible to make an equal comparison in Atkins. Slightly different coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best offered rates.

Take advantage of discounts

Companies offering auto insurance don't list every discount very well, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Driver's Ed - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
  • Employee of Federal Government - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Good Students Pay Less - This discount can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • No Claims - Claim-free drivers pay less when compared to accident-prone drivers.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren't that generous.

To choose insurance companies who offer car insurance discounts in Arkansas, click here.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim about savings after switching your policy. But how can every company claim to save you money?

All the different companies can use profiling for the right customer that makes them money. A good example of a driver they prefer might be over the age of 50, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" is entitled to the best price and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will be quoted more money and this can result in the customer not buying. Company advertisements say "people who switch" not "people who quote" save that kind of money. That's why companies can truthfully advertise the savings. This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Even more information can be read at the Arkansas Insurance Department website. Visitors are able to download brochures, read industry bulletins, and read enforcement actions against agents and companies.

Other informative sites include this site for car insurance rates in Arkansas and this list of insurance agents in Atkins, AR.

Final considerations

Drivers change insurance companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, not issuing a premium refund or even high prices. No matter why you want to switch, finding the right car insurance provider is easier than you think.

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Cheap car insurance can be bought both online in addition to many Atkins insurance agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and these small insurance companies work with independent agents.