How to Know You're Wasting Money for Auto Insurance in Clinton

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, many Clinton consumers feel financially strained by their auto insurance policy.

Numerous battle to insure your vehicles, so it can be very hard to choose a and uncover the absolute lowest rate

More discounts equal less premium

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be manually applied prior to receiving the credit.

No Accidents - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
Multiple Vehicles - Having multiple vehicles on one policy qualifies for this discount.
Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Low Mileage Discounts - Fewer annual miles could be rewarded with a substantially lower rate.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you could get a free auto insurance policy, it just doesn't work that way. But any discount will cut your premiums.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for the factors that help determine auto insurance rates. Understanding what influences your rates enables informed choices that will entitle you to better auto insurance rates.

Your auto insurance rates can be influenced by your job - Did you know your auto insurance rates can be affected by your occupation? Careers like judges, social workers and accountants tend to have higher rates than average in part from high stress and long work hours. On the flip side, jobs such as actors, athletes and performers receive lower rates.
Do you know your deductibles? - The deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and rolling your vehicle. The more you are required to pay out-of-pocket, the less your auto insurance will be.
Men pay higher rates - Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Men and women cause accidents in similar numbers, but the men have costlier accidents. Men also statistically get more serious tickets like reckless driving and DUI. Young males tend to get in the most accidents and therefore are the most expensive to insure.
Better crash test results mean better rates - Safer cars get lower rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and lower rates for you.
Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
Small claims can cost you - Companies in Arkansas generally give better rates to drivers who are claim-free. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.

Switch companies and save? Really?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all have a common claim that you can save after switching to their company. How do they all say the same thing? This is how they do it.

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a driver they prefer might be profiled as a mature driver, has no driving citations, and has a short commute. A propective insured that hits that "sweet spot" gets the lowest rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile will be quoted higher prices and this can result in business not being written. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That's the way insurance companies can make the claims of big savings.

This emphasizes why drivers should get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

More information is located on the website for the Arkansas Insurance Department. Click here for link. Arkansas drivers can read industry bulletins, report car insurance fraud, learn about insurance regulations, and find disaster information.

Shop smart and save

Affordable auto insurance can be bought on the web and also from your neighborhood Clinton agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you shop your coverage around, you should never skimp on coverage in order to save money. There are too many instances where someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.