Compare Mansfield Auto Insurance Prices With These Methods

Are you intimidated by the crazy number of auto insurance company choices in Mansfield? Many other drivers are as well. Drivers have so many options available that it can turn into a ton of work to find lower rates.

Finding the best rates in Mansfield is quite easy. Just about every driver who has to buy auto insurance will most likely be able to save money. Nevertheless, Arkansas vehicle owners do need to know how insurance companies sell online and apply this information to your search.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to big savings.

  • Save money with special equipment - Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Protect yourself with liability coverage - Your policy's liability coverage provides coverage when a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Do you know your deductibles? - Your deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. The higher the amount the insured has to pay upfront, the less your auto insurance will be.
  • Males pay more for insurance - Statistics demonstrate that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. They both are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • High numbers of claims are not good - Companies in Arkansas provide lower rates to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Do you work long hours in a high stress job? - Careers like lawyers, architects and financial analysts are shown to have higher average rates due to job stress and lots of time spent at work. Conversely, occupations such as actors, engineers and retirees pay the least.

compare Mansfield auto insurance rates

How to Compare Auto Insurance Quotes in Mansfield, Arkansas

All major auto insurance companies like State Farm, Allstate and GEICO quote coverage price quotes on the web. Getting online quotes doesn't take a lot of time as you simply type in the coverages you want as detailed in the form. After the form is submitted, their system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it's very important to have as many quotes as possible if you are searching for better auto insurance pricing.

There is an easier way!

The preferred way to lower your rates requires only one form that gets prices from a bunch of companies at once. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable. Immediately after you send the form, it is quoted with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To quickly find out what other companies charge, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. This makes sure you are getting a rate comparison for the exact same coverage.

These discounts can lower your rates

Companies don't necessarily list every discount very clearly, so we took the time to find some of the best known and also the lesser-known auto insurance savings.

  • Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Organization Discounts - Affiliation with a qualifying organization could qualify you for a break when shopping for auto insurance.
  • Multiple Cars - Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • Senior Discount - If you're over the age of 55, you may receive a discount up to 10%.
  • Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class if offered at their school.
  • Federal Government Employee - Employees or retirees of the government may qualify you for a discount with a few auto insurance companies.
  • Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.

It's important to understand that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn't quite work that way.

To choose insurance companies with discount auto insurance rates in Arkansas, follow this link.

Are you falling for claims of savings?

Auto insurance providers like State Farm, Allstate and GEICO consistently run ads on television and other media. They all say the same thing of big savings if you change your policy. How does each company say the same thing? It's all in the numbers.

All the different companies are able to cherry pick for the right customer that makes them money. For example, a driver they prefer might be profiled as over the age of 50, has no driving citations, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and as a result will probably save when switching.

Potential insureds who are not a match for these standards will be quoted more money which usually ends up with business not being written. Company advertisements say "customers who switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can confidently advertise the way they do. This emphasizes why you need to get a wide range of price quotes. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

More tips and info about auto insurance can be found at the Arkansas Insurance Department website. Arkansas drivers can view a list of available companies, find out which companies have the most complaints, and report car insurance fraud.

Shop smart and save

Consumers leave their current company for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, lack of trust in their agent or even denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

Low-cost auto insurance can be sourced on the web in addition to many Mansfield insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it's very important that you do not reduce coverage to reduce premium. There have been many situations where someone sacrificed physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to buy enough coverage at the best price while still protecting your assets.