7 Tips to Save on Car Insurance in Fort Smith

Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than the majority of other car owners in Arkansas. You have so many to buy insurance from, and though it is a good thing to be able to choose, lots of choices makes it harder to compare rates.

It's important to price shop coverage before your policy renews since rates are constantly changing. Despite the fact that you may have had the best rates six months ago there is a good chance you can find better rates now. There is too much inaccurate information about car insurance online but I'm going to show you some great ways to reduce your car insurance bill.

Buying car insurance in Fort Smith is not that difficult. If you have a current car insurance policy or need new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Arkansas consumers only need to know the most effective way to get comparison quotes over the internet.

Fort Smith car insurance comparison

Compare Fort Smith Car Insurance Costs

Reducing your insurance rates can be surprisingly simple. Just spend a few minutes to compare rate quotes provided by online insurance companies. This can be done in several different ways.

  1. The fastest way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method eliminates the need for boring form submissions for every car insurance company. In just a few minutes this one form will get you rate comparisons from all major companies.
  2. A more time consuming way to compare rate quotes requires you to visit each company's website and request a quote. For example, let's assume you want rates from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Fort Smith, click here.

Whichever way you use, ensure you're using identical coverage information with every price quote. If you compare unequal deductibles or liability limits it's impossible to find the best deal in Fort Smith.

Take advantage of discounts

Auto insurance companies don't list all their discounts very clearly, so the following is a list of both the well known as well as the least known car insurance savings. If you're not getting every credit available, you are paying more than you should be.

  • Senior Citizens - If you're over the age of 55, you may be able to get a discount up to 10%.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • College Student - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Sign Online - Certain companies may give you up to $50 for buying your policy over the internet.
  • Multiple Vehicles - Insuring multiple vehicles with the same company may reduce the rate for each vehicle.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like it's possible to get free car insurance, you won't be that lucky.

To choose companies who offer car insurance discounts in Arkansas, follow this link.

Are car insurance companies telling the truth?

Consumers in Arkansas can't ignore all the ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching your policy.

How does each company claim to save you money?

All companies can use profiling for the right customer that makes them money. A good example of a desirable insured might be a mature driver, is a homeowner, and has a high credit rating. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who don't qualify for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that kind of money. That's why companies can truthfully state the savings. Because of the profiling, you need to quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

Even more information can be read at the Arkansas Insurance Department website. Visitors are able to learn about insurance regulations, read industry bulletins, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

And the best car insurance company is...

As you restructure your insurance plan, it's very important that you do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase plenty of coverage at a price you can afford.

The cheapest car insurance can be bought both online in addition to many Fort Smith insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.