Free Guide to Saving Money on Malvern Car Insurance Online

Expensive car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet.

With consumers having so many choices, it's difficult to choose the lowest price insurer.

It's important to compare rates on a regular basis due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price two years ago you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to slash your car insurance rates.

How to Lower Your Car Insurance Cost in Malvern, Arkansas

There are several ways of comparing rates from local Malvern car insurance companies. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing multiple quote forms to each individual car insurance company. One form submission will get you price quotes from multiple low-cost companies.

A slightly less efficient method to get quotes online requires a visit to each company's website and fill out their own quote form. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site to input your insurance information, which is why the first method is more popular.

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

It's your choice how you get your quotes, but ensure you are comparing apples-to-apples coverage limits for each comparison quote. If you have differing limits it will be impossible to determine the lowest rate in Malvern. Quoting even small variations in limits may result in a large different in cost. Just remember that getting more free quotes provides better odds of finding better pricing.

Malvern car insurance comparison

You have some control over your rates

It's important that you understand the different types of things that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with big savings.

  • Older drivers save more - Youthful drivers in Arkansas have a tendency to be more careless when driving so car insurance rates are higher. Adding a teen driver to your car insurance policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • Pay less after the wedding - Having a wife or husband helps lower the price on your policy. It means you're more mature and it's proven that married drivers get in fewer accidents.
  • Extra add-on coverages are wasting money - There are quite a few add-on coverages that you can buy when buying car insurance. Things like roadside assistance, towing coverage and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they're wasting money remove them from your policy.
  • Multi-policy discounts can save money - Some insurers will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to ensure the best deal.
  • Pleasure use saves money - The higher the mileage driven in a year's time the more you will pay for car insurance. Most insurance companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your car insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money.
  • More claims means more premium - If you frequently file small claims, you can expect higher rates. Car insurance companies in Arkansas award discounts to drivers who are claim-free. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.

Save big with these discounts

Companies don't necessarily list all their discounts very well, so we researched both the well known as well as the least known savings tricks you should be using.

  • College Student - Kids in college who are attending college and don't have a car may qualify for this discount.
  • Sign Online - A handful of insurance companies may give you up to $50 just for signing your application online.
  • Safety Course Discount - Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Life Insurance - Some companies give a break if you buy auto and life insurance together.

It's important to note that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you're out of luck.

For a list of companies with discount car insurance rates in Arkansas, click here to view.

Additional detailed information is located at the Arkansas Insurance Department website. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, discover disciplinary actions, and read consumer alerts.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Malvern.

The best insurance company isn't always the cheapest

When buying insurance coverage, do not reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at a price you can afford.

Lower-priced car insurance is attainable both online and also from your neighborhood Malvern agents, so compare prices from both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.