Top Ways to Save on Fayetteville Auto Insurance
Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me when I say there are a lot of people in Fayetteville just like you who feel imprisoned by their auto insurance policy. Online insurance companies like GEICO and Progressive promote their brand names with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.
It's important to do rate comparisons at least once a year because insurance rates are constantly changing. If you had the best rates a year ago you can probably find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the web, but I'm going to show you some great ways to find affordable auto insurance.
How to Compare Fayetteville Auto Insurance Costs
Shopping for lower auto insurance rates is a ton of work if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with insurance agencies in Fayetteville, or you can stay home and use the internet to get rate comparisons in just a few minutes.
The majority of car insurance companies take part in a program that allows shoppers to submit one quote, and every company then gives them pricing for coverage. This eliminates the need for quote requests for each company you want a rate for.
To submit your quote information now, click to open in new window.
The one disadvantage to using this type of form is you are unable to specify the providers you want pricing from. So if you want to select specific providers to compare, we put together a list of the cheapest auto insurance companies in Arkansas. View list of Arkansas insurance companies.
Whichever way you use, compare exactly the same coverages with each company. If you use different limits and deductibles on each one you will not be able to make an equal comparison in Fayetteville.
How much can you save with discounts?
Insuring your vehicles can cost a lot, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount. If you aren't receiving every discount possible, you're paying more than you need to.
- Sign Online - Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Military Rewards - Having a deployed family member can result in better rates.
- Use Seat Belts - Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
- Accident Free - Drivers with accident-free driving histories pay less as compared to bad drivers.
- Defensive Driving Course - Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
- Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will reduce the amount you have to pay.
To see a list of companies with the best auto insurance discounts in Fayetteville, follow this link.
Additional information can be read on the website for the Arkansas Insurance Department. Click here for link. Arkansas consumers can get help finding coverage, find disaster information, find a variety of consumer forms, and read industry bulletins.
