Mountain View Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Mountain View auto insurance is challenging for beginners to shopping for insurance online. There are so many companies to choose from that it can easily become a big hassle to locate the lowest price in Mountain View.

The purpose of this post is to let you in on how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you will most likely be able to save some money using these methods. Arkansas vehicle owners just need to know the most efficient way to get comparison quotes online.

Take advantage of discounts

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied when you get a quote, but some must be manually applied before you will receive the discount. If you're not getting every credit available, you're paying more than you need to.

Drivers Education - Have your child successfully complete driver's ed class in school.
Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
Theft Prevention System - Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Homeowners Pay Less - Simply owning a home can help you save on auto insurance because owning a home requires personal responsibility.
Military Discounts - Being on active duty in the military could mean lower rates.
Life Insurance - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
One Accident Forgiven - Certain companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
Passive Restraints - Cars that have air bags may earn rate discounts of more than 20%.
No Claims - Claim-free drivers can earn big discounts when compared to bad drivers.

Consumers should know that most discounts do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies don't profit that way. But all discounts will bring down your overall premium however.

To see a list of insurance companies offering auto insurance discounts in Arkansas, click here to view.

Compare Mountain View Auto Insurance Costs

Finding cheaper auto insurance prices can be surprisingly simple. Just invest a little time to compare rate quotes online from several insurance companies. This can be done in several different ways.

The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do repetitive form entry to each individual auto insurance company. In just a few minutes this one form compares rates direct from many companies. Recommended for those who want to invest the least amount of time.
A less efficient way to compare rate quotes is going to the website of each company to request a price quote. For example, we'll assume you want rates from , and . To find out each rate you need to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in Mountain View, click here.
The least recommended way to compare rates is to waste gas driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the personal advice only provided by licensed agents. However, consumers can obtain prices from the web and still use a local agent and we'll touch on that later.

It's your choice how you get your quotes, but ensure you're using identical coverage limits and deductibles for each price quote. If you compare different liability limits then you won't be able to truly determine the lowest rate in Mountain View.

Learn How to Buy Auto Insurance Cheaper

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

Listed below are some of the factors that factor into prices.

High numbers of claims are not good - Companies in Arkansas award lower rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Discounts for multiple policies - Most insurers provide better rates to people who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it's still a good idea to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
Theft deterrents lower rates - Driving a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
Where do you drive? - The more miles you rack up on your car every year the higher your rate. The majority of insurers price each vehicle's coverage based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your auto insurance policy shows how each vehicle is driven, because it can save money.
Battle of the sexes - The statistics show that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. They both tend to get into accidents at about the same rate, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
Better credit scores mean better rates - Having a bad credit score is a big factor in your rate calculation. So if your credit is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit.
Your job and insurance rates - Did you know your auto insurance rates can be affected by your occupation? Careers like doctors, business owners and financial analysts are shown to have higher average rates due to stressful work requirements and lots of time spent at work. Conversely, professions such as farmers, engineers and homemakers pay the least.
Traffic citations inflate rates - A bad driving record has a lot to do with how much you pay for insurance. Even one speeding ticket may increase your cost by twenty percent. Drivers with clean records get better rates than bad drivers. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with the DMV in their state in order to continue driving.

Are auto insurance companies telling the truth?

Arkansas drivers can't get away from ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. They all make an identical promise that you'll save big if you switch your policy.

How does each company say the same thing? It's all in the numbers.

All the different companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer might be profiled as between the ages of 30 and 50, is a homeowner, and has a short commute. A propective insured who meets those qualifications gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will be quoted higher premiums and ends up with business not being written. The ads say "customers who switch" not "people who quote" save that kind of money. That's why companies can make the claims of big savings.

This emphasizes why drivers must get a wide range of price quotes. It's not possible to predict the company that will fit your personal profile best.

Best coverage at the best price

People switch companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, unfair underwriting practices or delays in paying claims. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

As you shop your coverage around, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Discount auto insurance can be found on the web in addition to many Mountain View insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and these smaller companies work with independent agents.

Learn more today

Much more information about auto insurance in Arkansas is available on the Arkansas Insurance Department website found here. Arkansas drivers can download brochures, read consumer alerts, and view a list of available companies.