Consumer Tested Strategies to Save on Jonesboro Auto Insurance

Scraping up a payment for overpriced auto insurance can overdraw your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

There are many to buy insurance from, and even though it's nice to have a choice, it makes it harder to compare rates.

Buying car insurance in Jonesboro is easy if you know what you're doing. Basically, anyone who is required by state law to have auto insurance should be able to reduce their rates. But Arkansas vehicle owners do need to know how the larger insurance companies market on the web and take advantage of how the system works.

Save big with these discounts

Companies offering auto insurance don't always advertise all available discounts very clearly, so here is a list some of the best known and the harder-to-find savings tricks you should be using.

More Vehicles More Savings - Insuring multiple cars or trucks on one policy qualifies for this discount.
Senior Discount - Older drivers can possibly qualify for reduced rates.
Accident Free - Drivers who don't have accidents can earn big discounts when compared with frequent claim filers.
Own a Home - Owning a home in Jonesboro can help you save on auto insurance because of the fact that having a home requires personal responsibility.
Military Rewards - Being on active duty in the military can result in better rates.
Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. The discount lasts up to age 25.
Accident Waiver - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims for a particular time prior to the accident.
Drivers Education - Require your teen driver to enroll in driver's education in high school.
Sign Early and Save - Select companies give a discount for signing up before your current policy expires. It can save you around 10%.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don't profit that way.

For a list of insurers with the best auto insurance discounts in Arkansas, click here to view.

Low Cost Jonesboro Auto Insurance

There are several ways of comparing rate quotes from local Jonesboro auto insurance companies. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get quotes is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do repetitive form entry to each individual auto insurance company. One form gets you coverage quotes direct from many companies.

A less efficient way to get quotes online consists of going to each individual company website to request a price quote. For examples sake, we'll pretend you want comparison quotes from , and . To find out each rate you need to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Jonesboro, click here.

The least recommended way of comparing rate quotes is to spend your day driving to and from local Jonesboro insurance agencies. The internet makes this process obsolete unless you have a need for the personal advice only provided by licensed Jonesboro agents. However, consumers can compare online quotes and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but make darn sure you compare identical coverages for each price quote. If the quotes have different limits and deductibles on each one it will be very difficult to truly determine the lowest rate in Jonesboro. Quoting even small variations in insurance coverages can make a big difference in price. And when comparison shopping, quoting more helps locate lower pricing.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is unique so your insurance should reflect that These are some specific questions may help you determine if your situation will benefit from professional help.

Can I afford to buy a different vehicle if my vehicle is totaled?
Should I put collision coverage on all my vehicles?
Will I be non-renewed for getting a DUI or other conviction?
Does my policy cover my teen driver if they drive my company car?
Do I have coverage when using my vehicle for my home business?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
Does my policy cover me when driving someone else's vehicle?

If you're not sure about those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

The best insurance company isn't always the cheapest

Discount auto insurance is definitely available on the web and with local Jonesboro insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.