Easy Techniques to Pay Less on Mena Auto Insurance
Finding lower premiums on Mena auto insurance is nearly impossible for consumers new to comparison shopping online. People have so many choices that it can turn into more work than you anticipated to compare prices in Mena.
Take advantage of discounts
Companies don't always advertise every discount in a way that's easy to find, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If you aren't receiving every discount available, you are throwing money away.
- No Accidents - Claim-free drivers can save substantially when compared to drivers who are more careless.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
- More Vehicles More Savings - Insuring multiple cars or trucks on one policy qualifies for this discount.
- Discount for New Cars - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
- Passive Restraints and Air Bags - Cars that have air bags can qualify for discounts of 20% or more.
- Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you won't be that lucky.
Are auto insurance companies telling the truth?
Arkansas consumers get pounded daily by advertisements for the lowest price auto insurance by Progressive, Allstate and GEICO. They all have a common claim about savings if you move to their company.
How can each company make almost identical claims? This is how they do it.
All companies can use profiling for the driver that earns them a profit. For example, a driver they prefer could possibly be a mature driver, has no tickets, and has excellent credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.
Potential customers who don't qualify for the requirements will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that much. That's why companies can truthfully make those claims. This emphasizes why you should get a wide range of price quotes. It's impossible to know the company that will have the lowest rates.
More Arkansas auto insurance information
Even more information can be found at the Arkansas Insurance Department website. Arkansas consumers can read industry bulletins, download brochures, and report car insurance fraud.
A tidy conclusion
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, lack of trust in their agent and even not issuing a premium refund. No matter why you want to switch, switching auto insurance companies is less work than it seems.
Cheaper auto insurance is possible online and also from your neighborhood Mena agents, and you need to price shop both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
While you're price shopping online, it's a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest price while still protecting your assets.
