Proven Ways to Save on Gentry Auto Insurance

Expensive auto insurance can take a big chunk out of your bank account, especially in this economy. Shopping your coverage around is a great way to tighten up your finances.

Having so many companies and agents to choose from, it can be hard to choose the right car insurance company.

It's important to price shop coverage on a regular basis since insurance rates are constantly changing. Just because you had the lowest price on your last policy you may be paying too much now. Ignore everything you know about auto insurance because you're about to learn the proper way to reduce your cost while improving coverage.

How to Lower Your Auto Insurance Cost in Gentry, Arkansas

Most major insurance companies allow you to get coverage price quotes directly from their websites. Getting online quotes doesn't take a lot of time as you simply enter the coverages you want into the quote form. Behind the scenes, their system will obtain your driving record and credit report and quotes a price. This makes it a lot easier to compare rates but having to visit different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

A less time-consuming method to find lower prices requires only one form to return rates from many companies. It's a real time-saver, requires less work, and makes quoting online a lot less work. After sending your information, it is rated and you can choose any or none of the returned quotes. If a lower price is quoted, it's easy to complete the application and buy the policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To quickly find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended you duplicate the coverages exactly as shown on your declarations page. This way, you will receive an apples-to-apples comparison based on similar coverages.

Gentry auto insurance quote

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the factors that go into determining auto insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get better auto insurance rates.

Listed below are a partial list of the pieces that factor into your rates.

  • More than one policy can earn a discount - Most insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible.
  • Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that men are WORSE drivers than women. Men and women cause accidents in similar numbers, but men cause more damage. Men also get more serious tickets like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
  • A clean driving record saves money - Even a single citation may increase your cost twenty percent or more. Drivers with clean records have lower premiums than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like judges, social workers and stock brokers are shown to have the highest rates because of high stress and long work hours. On the other hand, jobs such as pilots, students and homemakers pay the least.
  • Policy add-ons can waste money - There are many add-on coverages you can purchase if you aren't careful. Things like personal injury protection, better glass coverage and membership fees are some examples. These coverages may sound good when you first buy your policy, but your needs may have changed so remove them from your policy.
  • Rural vs Urban Areas - Residing in a small town has it's advantages when buying auto insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Less people living in that area means reduced accidents as well as less vandalism and auto theft.

More discounts equal less premium

Car insurance companies do not advertise every available discount very well, so we researched some of the best known as well as the least known discounts you could be receiving.

  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Accident Waiver - Some insurance companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Early Signing - Some insurance companies reward drivers for signing up before your current policy expires. This can save 10% or more.
  • Multi-policy Discount - When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • No Claims - Drivers who don't have accidents pay much less compared to frequent claim filers.

It's important to note that some credits don't apply to all coverage premiums. Most cut individual premiums such as comprehensive or collision. So when it seems like you would end up receiving a 100% discount, you're out of luck.

For a list of providers offering auto insurance discounts in Arkansas, click here.

Additional detailed information is located at the Arkansas Insurance Department website. Arkansas drivers can read consumer alerts, learn about insurance regulations, file complaints about a company, and read industry bulletins.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this Gentry agent directory.

Do the work, save more money

When you buy insurance online, do not reduce needed coverages to save money. Too many times, drivers have reduced liability coverage limits only to discover later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance is available on the web in addition to many Gentry insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented a lot of ways to lower your auto insurance rates. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may even find the lowest rates come from some of the lesser-known companies. Smaller companies often have lower prices on specific markets as compared to the big name companies such as .