Car Insurance in Mountain Home - 7 Ways to Save Money

Having to pay for overpriced car insurance can dwindle your checking account and make it impossible to make ends meet. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare to discover the definitive lowest price

It's important to compare rates yearly since rates are constantly changing. Even if you got the best price a couple years back a different company probably has better rates today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the tricks you need to know to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. Buying car insurance in Mountain Home is quite easy. Nevertheless, Arkansas consumers do need to know the methods companies use to price insurance differently and apply this information to your search.

Save big with these seven discounts

Companies offering auto insurance don't necessarily list every available discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find ways to save on car insurance.

Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Auto/Life Discount - Larger companies have lower rates if you buy life insurance.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
Save with a New Car - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
Clubs and Organizations - Being a member of certain professional organizations could trigger savings on your policy.
No Accidents - Drivers who don't have accidents can save substantially compared to drivers who are more careless.

It's important to understand that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it doesn't quite work that way.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's situation is unique so this has to be addressed. These are some specific questions can help discover if your situation could use an agent's help.

Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
Do I qualify for additional discounts?
What companies insure drivers after a DUI or DWI?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Car insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads make the same claim of big savings after switching to their company. How do they all claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches those parameters will get very good rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be charged more money which leads to the customer not buying. The ads say "drivers who switch" not "people who quote" save that much. This is how insurance companies can confidently advertise the way they do. That is why drivers should get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Learn more about car insurance in Arkansas

More tips and info about car insurance can be found at the Arkansas Insurance Department website. Visitors are able to find out industry alerts, view agent and company licensing information, file complaints about an insurance agent or broker, and report car insurance fraud.

Affordable insurance is out there

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

Low-cost car insurance can be purchased both online and also from your neighborhood Mountain Home agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.