Car Insurance in Booneville Arkansas - 10 Discounts You Might be Missing

Nobody I know cherishes buying car insurance, particularly when the cost is way too high.

Drivers have multiple to buy insurance from, and although it's nice to have a choice, it can be more challenging to compare rates.

Choosing the best insurance company for you in Booneville is easy if you know what you're doing. If you currently have car insurance, you will be able to lower your premiums substantially using these techniques. But Arkansas consumers do need to know the way companies price online insurance and apply this information to your search.

More discounts equal less premium

Companies don't list every discount very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving.

Federal Employees - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
Early Signing - Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Accident Forgiveness - Certain companies will forgive one accident without raising rates if your claims history is clear for a certain period of time.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance from them.
Distant Student - Youth drivers who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Homeowners Savings - Simply owning a home can save you money because owning a home is proof that your finances are in order.
Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
Good Student - Getting good grades can save 20 to 25%. This discount can apply until age 25.
Low Mileage Discounts - Driving fewer miles can earn a substantially lower rate.

Drivers should understand that some credits don't apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So even though it sounds like you could get a free car insurance policy, companies wouldn't make money that way.

For a list of insurance companies offering car insurance discounts in Arkansas, click here.

Car Insurance Comparison Rates in Booneville, AR

Most major insurance companies like Progressive, Allstate and GEICO give coverage prices directly from their websites. Getting quotes is pretty painless as you simply type in your personal and coverage information into the quote form. Once entered, the system will obtain your driving and credit reports and returns a price based on these and other factors. Quoting online helps simplify price comparisons, but having to visit a lot of sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to have as many quotes as possible in order to get a lower rate.

A more efficient way to compare rates is to use a quote form to obtain quotes from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online a little more enjoyable. As soon as you send your information, your coverage is rated and you can choose any one of the quotes that you receive. If a lower price is quoted, it's easy to complete the application and purchase coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you're overpaying now, click here and complete the simple form. If you currently have coverage, we recommend that you enter the coverages just like they are on your policy. This helps ensure you will receive a fair comparison based on identical coverages.

It's not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that may help highlight if you might need an agent's assistance.

Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
When does my teenage driver need to be added to my policy?
Why does it cost so much to insure a teen driver in Booneville?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Final considerations

We just covered a lot of ways to get a better price on car insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from the least-expected company. These companies may only write in your state and offer lower rates as compared to the big name companies such as .

When shopping online for car insurance, never sacrifice coverage to reduce premiums. There are too many instances where someone dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.