Easy Ways to Pay Less on Lonsdale Car Insurance

Shopping for the lowest cost Lonsdale car insurance over the internet is somewhat difficult for consumers not familiar with buying insurance online. With so many choices of insurers available, how can consumers even start to compare every company to locate the lowest price?

It's important to check car insurance prices on a regular basis because rates are constantly changing. Even if you think you had the best deal a year ago there is a good chance you can find better rates now. So just ignore everything you know about car insurance because you're going to learn the only way to save money, get proper coverage and the best rates.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that play a part in calculating your car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get lower car insurance prices.

How many coverages with the same company - Some insurers give discounts to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you're getting this discount it's still a good idea to comparison shop to make sure you are getting the best deal.
Pay less if you're married - Being married helps lower the price on your policy. Marriage is viewed as being more responsible and statistics show married drivers get in fewer accidents.
Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer injuries translates into savings for insurance companies and lower rates for you.
High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims are collision with another vehicle, damage caused by hail, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more money you're willing to pay, the bigger discount you will receive.
Is your vehicle built for speed? - The performance of the car you drive makes a big difference in determining your rates. Small economy passenger vehicles generally receive the lowest base rates, but other factors influence the final cost greatly.
How's your driving record? - Good drivers get better rates than their less careful counterparts. Even one moving violation can increase rates by as much as thirty percent. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.

Which Car Insurance is Cheapest in Lonsdale, Arkansas?

Performing a rate comparison can take time and effort if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Lonsdale, or you could use the internet to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company can give them a price based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only drawback to doing it this way is that consumers can't choose which providers you want to price. So if you want to choose specific providers to request quotes from, we put together a list of companies who write car insurance in Arkansas. Click here to view list.

It's up to you which method you use, but ensure you are comparing the exact same coverage limits for each price quote. If you have differing limits you can't possibly truly determine the lowest rate in Lonsdale. Quoting even small variations in coverages can make a big difference in price. Just remember that quoting more will enable you to find better pricing.

How much can you save with discounts?

Car insurance is not cheap, but there are discounts available to help bring down the price. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

Anti-theft Discount - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
E-sign - Certain companies will give a small break for buying your policy on their website.
Low Mileage - Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
Own a Home - Being a homeowner can help you save on car insurance because maintaining a house requires personal responsibility.
Discount for Swiching Early - Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
Passive Restraints - Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So when it seems like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose providers with discount car insurance rates in Lonsdale, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Companies like Allstate and Progressive consistently run television and radio advertisements. All the ads make an identical promise about savings if you change to them. How do they all make the same claim? It's all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. An example of a preferred risk could be between 30 and 50, insures multiple vehicles, and has excellent credit. A customer who meets those qualifications will get very good rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile will be charged higher premiums and ends up with business going elsewhere. The ads say "customers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully make those claims.

That is why you need to get as many comparisons as possible. Because you never know which insurance companies will have the lowest rates.

Additional information is available on the Arkansas Insurance Department website found here. Consumers can read consumer alerts, get help finding coverage, and find disaster information.

Do the work, save more money

While you're price shopping online, never reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Cheaper car insurance is attainable from both online companies and with local Lonsdale insurance agents, so compare prices from both to have the best chance of lowering rates. Some companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

We just showed you some good ideas how you can compare car insurance prices online. It's most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even find the best prices are with a small mutual company.