Free Guide to Spending Less for Newport Auto Insurance Online

Having to pay for overpriced auto insurance can empty your savings account, especially in this economy. Comparison shopping is a smart way to help make ends meet. Drivers have multiple to pick from, and even though it's nice to have multiple companies, it can be more challenging to compare rates.

Choosing the best insurance company for you in Newport is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Arkansas consumers only need to know the proper way to shop their coverage around online.

More discounts equal less premium

Companies that sell car insurance don't list all available discounts very clearly, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you're not getting every credit you deserve, you are throwing money away.

Multi-car Discount - Having more than one vehicle on one policy may reduce the rate for each vehicle.
Discount for New Cars - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Good Student Discount - Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Student in College - Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
Use Seat Belts - Drivers who require all occupants to use their safety belts can save 10% or more off your PIP or medical payments premium.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

Newport Rates are Influenced by These Factors

Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that could result in big savings.

Listed below are a few of the "ingredients" auto insurance companies consider when setting premiums.

Increase deductibles and save - Your deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, collision with an animal, and burglary. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive.
Older drivers pay less - Teen drivers in Arkansas are statistically proven to get distracted easily when driving so they pay higher auto insurance rates. If you've ever had to add a youthful driver to your auto insurance policy can be quite pricey. More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel.
Careful drivers pay lower rates - Only having one moving violation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than bad drivers. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
Rate your vehicle for proper use - The more miles you rack up on your car in a year's time the more you'll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy shows how each vehicle is driven.
Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are worse drivers. They both cause accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.

It's not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine if you would benefit from an agent's advice.

Can I afford to buy a different vehicle if my vehicle is totaled?
Should I file a claim if it's only slightly more than my deductible?
Should I buy only the required Arkansas minimum liability coverage?
What happens if I owe more than my vehicle is worth?
Why does it cost so much to insure a teen driver in Newport?
Why am I be forced to buy a membership to get insurance from some companies?
Why am I required to get a high-risk car insurance policy?
Does my liability insurance cover pulling a trailer or camper?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, doesn't cost anything and can help protect your family.

Switch companies and save? Really?

Arkansas consumers get pounded daily by advertisements for car insurance savings by Allstate, GEICO and Progressive. All the companies say the same thing about savings if you switch to their company.

How does each company make almost identical claims?

All the different companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer could possibly be between 25 and 40, insures multiple vehicles, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when switching.

Potential customers who do not match these standards must pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that much. This is how companies can truthfully advertise the savings. This illustrates why drivers should get quotes from several different companies. It's impossible to know which insurance companies will fit your personal profile best.

More sites with auto insurance information

Even more information can be found at the Arkansas Insurance Department website. Arkansas consumers can report car insurance fraud, read enforcement actions against agents and companies, file complaints about a company, and file complaints about an insurance agent or broker.

Also read more on this link for Arkansas auto insurance quotes and this page for help finding agents in Newport, AR.

A tidy conclusion

The cheapest auto insurance is available online and also from your neighborhood Newport agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, make sure you don't skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

You just read a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with the least-expected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .