Comparison Shop Clarksville Auto Insurance Prices With These Tricks

Buying the lowest cost Clarksville auto insurance online can seem to be intimidating for people who are new to price shopping online. Since there are so many companies competing online, how can you even start to compare them all to find the best pricing?

It's important to do rate comparisons quite often because prices are constantly changing. Just because you had the best deal last year a different company probably has better rates today. So ignore everything you know about auto insurance because you're going to get a crash course in the proper way to remove unneeded coverages and save money.

If you have insurance now or need new coverage, you can learn to get lower rates while maintaining coverages. Buying affordable coverage in Clarksville is simple if you know the tricks. Arkansas drivers only need an understanding of the tricks to compare rates online.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but some must be asked for prior to getting the savings. If you aren't receiving every discount you deserve, you are throwing money away.

Life Insurance Discount - Larger companies have better rates if you take out life insurance from them.
Save with a New Car - Putting insurance coverage on a new car is cheaper compared to insuring an older model.
Air Bag Discount - Factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Accident Waiver - A handful of insurance companies permit an accident before your rates go up as long as you don't have any claims for a certain period of time.
Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
Good Student Discount - Performing well in school can save 20 to 25%. The discount lasts until age 25.

It's important to understand that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will reduce the amount you have to pay.

Why some people pay less for insurance in Clarksville

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

More people means more accidents - Residing in a small town can be a good thing when talking about auto insurance. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. City drivers have much more traffic to deal with and a longer drive to work. More time commuting means higher likelihood of an accident.
Older drivers pay less - More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers are statistically proven to get distracted easily when driving and because of this, their auto insurance rates are much higher.
Your credit rating is important - Credit score is a large factor in determining what you pay for auto insurance. If your credit score is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.
Equipment add-ons that lower auto insurance rates - Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
Are you male or female? - Statistics have proven women are more cautious behind the wheel. That doesn't necessarily mean that women are better drivers. Men and women have accidents at about the same rate, but the males cause more damage. They also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.

Insurance agents can help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different.

For example, these questions may help you determine whether your personal situation may require specific advice.

When does my teenage driver need to be added to my policy?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Does my policy cover me when driving someone else's vehicle?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Arkansas?
Should I put collision coverage on all my vehicles?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.

Save $429 a year? Really?

Consumers in Arkansas get pounded daily by advertisements for car insurance savings by companies like GEICO, State Farm and Progressive. They all seem to have a common claim of big savings if you switch to them.

How can each company claim to save you money?

Different companies have a preferred profile for the type of driver that earns them a profit. An example of a desirable insured might be over the age of 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay a more expensive rate and this can result in the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently claim big savings.

Because of the profiling, drivers should quote coverage with many companies. It's impossible to know which insurance companies will give you the biggest savings.

Additional auto insurance information is available on the Arkansas Insurance Department website through this link. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, and find out industry alerts.

In the end, you save

When trying to cut insurance costs, it's not a good idea to skimp on coverage in order to save money. In many instances, drivers have reduced liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to purchase plenty of coverage at an affordable rate.

We covered a lot of techniques to reduce auto insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the biggest savings come from an unexpected company.

Low-cost auto insurance is available both online and with local Clarksville insurance agents, and you should be comparing both to have the best rate selection. A few companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.