Top 7 Ways to Save on Car Insurance in Marion, AR

Have you had enough of robbing Peter to pay Paul each month for car insurance? Your situation is no different than the majority of other car owners in Arkansas.

There is such a variety of to buy insurance from, and although it's a good thing to be able to choose, so many choices can make it hard to compare rates.

It's important to get comparison quotes before your policy renews since rates are constantly changing. Even if you think you had the lowest price two years ago there is a good chance you can find better rates now. There is a lot of bad information regarding car insurance on the internet, so we're going to give you some great ways to reduce your car insurance bill.

Shopping for the cheapest car insurance in Marion is easy if you know what you're doing. Basically, every vehicle owner who has to buy car insurance stands a good chance to be able to lower their premiums. Nevertheless, Arkansas consumers do need to know how big insurance companies market insurance on the web because it can help you find the best coverage.

Marion car insurance quote

Compare Marion Car Insurance Costs

There are several ways to get quotes and find the best price. One of the best ways to compare insurance prices is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  1. The fastest way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method eliminates the need for multiple quote forms for each company you want a rate for. In just a few minutes this one form will get you price quotes from multiple low-cost companies.
  2. A more time consuming way to compare rate quotes requires a visit to the website for each individual company and request a quote. For examples sake, let's assume you want rates from , and . To get each rate you have to take the time to go to each site to input your insurance information, and that's why the first method is more popular. To view a list of companies in Marion, click here.

Which method you use is up to you, but ensure you're using identical coverage limits with every price quote. If the quotes have differing limits you will not be able to find the best deal in Marion. Just a small difference in coverage limits could mean much higher rates. And when price shopping your coverage, having more price comparisons helps locate better pricing.

Take advantage of discounts

Car insurance is not cheap, but companies offer discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but a few must be specially asked for prior to getting the savings.

  • Multi-policy Discount - If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • No Claims - Claim-free drivers pay much less compared to accident-prone drivers.
  • Low Mileage - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • One Accident Forgiven - Certain companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • 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 - Being a member of a qualifying organization could qualify you for a break on your policy.

Consumers should know that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

To choose providers with discount car insurance rates in Arkansas, follow this link.

Are car insurance companies telling the truth?

Companies like Allstate and Progressive consistently run ads on TV and radio. All the ads say the same thing of big savings if you change your policy. How does each company claim to save you money? This is how they do it.

Insurance companies can use profiling for the right customer that makes them money. For instance, a preferred risk might be between 30 and 50, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will get the preferred rates and most likely will save when switching.

Potential customers who don't qualify for these standards will be charged a more expensive rate which usually ends up with the customer not buying. The ads state "drivers who switch" not "people who quote" save that kind of money. That's why insurance companies can confidently state the savings.

That is why you need to get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Additional car insurance information is located on the website for the Arkansas Insurance Department. Click here for link. Visitors are able to read consumer alerts, read industry bulletins, discover disciplinary actions, and get help finding coverage.

Affordable insurance is out there

When buying insurance coverage, never reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cost effective car insurance is attainable both online in addition to many Marion insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.