Easy Tips to Save Money on Conway Car Insurance

Price shopping your Conway car insurance is a challenge for beginners to buying insurance online. There are so many options that it can quickly become a big hassle to find lower rates in Conway.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Pricing the cheapest car insurance in Conway is quite easy. But Arkansas car owners do need to know how big insurance companies sell online and apply this information to your search.

These discounts can lower your rates

Car insurance companies don't always advertise every discount in an easy-to-find place, so we took the time to find some of the more common and the more hidden car insurance savings.

  • Accident Free - Claim-free drivers can save substantially when compared to bad drivers.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Memberships - Belonging to certain professional organizations could qualify you for a break when shopping for car insurance.
  • Safety Course Discount - Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Discount for Swiching Early - A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Anti-theft System - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • One Accident Forgiven - A few companies permit an accident before raising your premiums if your claims history is clear for a certain period of time.
  • Good Students Pay Less - A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Paperwork-free - Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free car insurance policy, companies wouldn't make money that way.

To see a list of insurance companies with discount car insurance rates in Conway, follow this link.

How to Compare Car Insurance Costs in Conway

Most companies such as Progressive, Allstate and GEICO give pricing directly from their websites. The process is pretty easy as you simply type in the amount of coverage you want as detailed in the form. Once you submit the form, their rating system will obtain your credit score and driving record and returns pricing information.

Online price quotes makes comparing rates easy, but the time it takes to visit many different websites and enter the same data into a form gets old quite quickly. But it's very important to compare as many rates as possible in order to get better car insurance pricing.

The easy way to compare rates

The preferred way to find cheaper rates utilizes a single form to obtain quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much more efficient. After sending the form, your coverage is rated with multiple companies and you can pick any of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out what other companies charge, click here to open in new window and fill out the form. If you currently have coverage, we recommend that you enter coverages and limits just like they are on your policy. This makes sure you're receiving rate quotes based on the exact same insurance coverage.

Why some people pay less for insurance in Conway

An important part of buying insurance is that you know some of the elements that play a part in calculating your car insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to better car insurance rates.

  • Do you work long hours in a high stress job? - Careers like lawyers, architects and accountants tend to pay higher rates than average attributed to stressful work requirements and long work hours. On the flip side, occupations such as farmers, athletes and retirees have the lowest average rates.
  • Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Don't sacrifice liability coverage - Your policy's liability coverage will protect you when you are found to be at fault for damages from an accident. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Extra coverages can waste money - There are quite a few extra bells and whistles that can waste your money on your policy. Coverages like rental car reimbursement, accident forgiveness and motor club memberships are examples of these. They may seem like a good idea at first, but if you don't need them get rid of them and save.
  • How's your driving record? - A bad driving record impacts your car insurance rates tremendously. Good drivers receive lower rates than their less careful counterparts. Just one ticket can increase rates by twenty percent. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Discounts for multiple policies - Some companies provide better rates to policyholders who consolidate policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to compare rates to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Males pay more for insurance - The statistics show that men are more aggressive behind the wheel. Now that doesn't mean women are better drivers. Men and women are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as reckless driving.

Are you falling for claims of savings?

Car insurance providers like Progressive, Allstate and GEICO consistently run ads on television and other media. They all say the same thing that you'll save big if you change to them. How do they all make the same claim?

Different companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer could be between 30 and 50, has no tickets, and has a short commute. A customer who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will be quoted higher prices which usually ends up with business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save money. That's why companies can make the claims of big savings. This emphasizes why drivers must get as many comparisons as possible. Because you never know the company that will fit your personal profile best.

Final considerations

Consumers leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, questionable increases in premium or high prices. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.

Budget-conscious car insurance can be sourced from both online companies and with local Conway insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just showed you many ways to compare car insurance prices online. It's most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the best prices are with an unexpected company.

compare Conway car insurance rates

More detailed Arkansas car insurance information can be found at the Arkansas Insurance Department website. Consumers can read industry bulletins, view a list of available companies, and find out which companies have the most complaints.