7 Ways You Can Buy Car Insurance for Less in Camden

Paying for high-priced car insurance can overdraw your savings account and put a big crunch on your finances. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. Having so many companies to choose from, it is very difficult to choose the cheapest car insurance company.

It's important to do rate comparisons quite often since rates are constantly changing. Just because you found the lowest price on your last policy you may be paying too much now. You can find a lot of misleading information regarding car insurance online but we're going to give you some great ways to slash your car insurance rates.

Free Camden Car Insurance Quotes

Getting better car insurance pricing is a fairly straight forward process. Just take time comparing rates from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quote forms to each individual car insurance company. One form gets you price quotes from many national carriers.

A different way to compare rate quotes requires visiting each company website to request a price quote. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is quicker.

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

It's your choice how you get your quotes, but make darn sure you compare apples-to-apples quote information for each price quote. If each company quotes mixed coverages then you won't be able to truly determine the lowest rate in Camden.

Arkansas car insurance

Take advantage of discounts

Companies that sell car insurance do not advertise every available discount very well, so we researched some of the more common and also the lesser-known savings tricks you should be using. If you don't get every credit you deserve, you're just leaving money on the table.

  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Resident Student - Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Accident Waiver - Some insurance companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Early Switch Discount - Some companies give discounts for switching to them before your current policy expires. It's a savings of about 10%.
  • 55 and Retired - Older drivers may be able to get reduced rates.
  • Accident Free - Drivers who don't have accidents pay much less compared to frequent claim filers.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Just because you may think all those discounts means the company will pay you, you won't be that lucky.

For a list of providers who offer car insurance discounts in Arkansas, click here to view.

How to know if you need help

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation would benefit from an agent's advice.

  • Do I need to file an SR-22 for a DUI in Arkansas?
  • Why does it cost so much to insure a teen driver in Camden?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Should I put collision coverage on all my vehicles?
  • What companies insure drivers after a DUI or DWI?

If you're not sure about those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It's fast, free and you can get the answers you need.

Even more information is located at the Arkansas Insurance Department website. Consumers can file complaints about a company, read enforcement actions against agents and companies, learn about insurance regulations, and find out industry alerts.

Other useful links include III.org's auto insurance page and this directory of insurance agents in Camden Arkansas.

Camden car insurance comparison

In the end, you save

You just learned many tips how you can lower your car insurance rates. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the most savings is with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than their larger competitors like .

When you buy insurance online, do not reduce needed coverages to save money. There have been many cases where drivers have reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Cheaper car insurance can be sourced from both online companies and with local Camden insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.