Tightwads Tips for Saving on Clarendon Auto Insurance

Overpriced auto insurance can empty your bank account and force you to prioritize other expenses. Shopping your coverage around is a great way to help make ends meet. You have so many to buy insurance from, and although it's a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage yearly because prices are constantly changing. If you had the best rates six months ago a different company probably has better rates today. There is too much inaccurate information about auto insurance on the internet, so we're going to give you some great ways to find cheap auto insurance.

Are you getting all your discounts?

Car insurance companies don't always publicize every available discount very clearly, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you deserve, you are throwing money away.

  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Save with a New Car - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Government Employees - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Resident Student - Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Own a Home - Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way.

Clarendon auto insurance quote

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

The list below includes some of the items that factor into your rates.

  • Better credit scores mean better rates - Your credit rating is a important factor in determining what you pay for auto insurance. Consumers who have good credit tend to be less risk to insure than drivers with lower credit ratings. If your credit score can use some improvement, you could potentially save money when insuring your by spending a little time repairing your credit.
  • Rate your vehicle for proper use - The more you drive in a year's time the higher your rates will be. The majority of insurers charge to insure your cars based on their usage. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance policy shows the correct driver usage.
  • Rates may be higher depending on your occupation - Occupations like real estate brokers, social workers and financial analysts are shown to have higher average rates because of high stress and long work days. Conversely, occupations such as pilots, engineers and the unemployed pay the least.
  • Older drivers pay less - Youthful drivers in Arkansas tend to be less responsible when driving so they pay higher auto insurance rates. Adding a teenage driver onto your auto insurance can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Being married is a good thing - Getting married actually saves money on auto insurance. Marriage usually means you are more mature and it's proven that married drivers get in fewer accidents.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover whether you could use an agent's help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver in Clarendon?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

How can Allstate and Progressive save drivers who switch?

Consumers in Arkansas get pounded daily by advertisements for car insurance savings from companies such as Allstate and Progressive. All the ads have a common claim that you can save if you move your policy.

How does each company claim to save you money?

Insurance companies have a preferred profile for the right customer that earns them a profit. A good example of a preferred risk might be over the age of 40, has no prior claims, and has a high credit rating. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged a more expensive rate and this can result in the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. This is how insurance companies can state the savings. That is why drivers should get as many comparisons as possible. It's impossible to know which insurance companies will have the lowest rates.

Learn more about auto insurance in Arkansas

Additional detailed information can be read at the Arkansas Insurance Department website. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, read industry bulletins, and read enforcement actions against agents and companies.

Arkansas auto insurance quotes

In the end, you save

As you restructure your insurance plan, it's very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice full coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Affordable auto insurance is definitely available both online in addition to many Clarendon insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.