Top 7 Ways to Save Money on Car Insurance in Ozark

Scraping up a payment for overpriced car insurance can overdraw your savings account and force you to make sacrifices. Doing a price comparison is a smart way to cut your insurance bill.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices quite often since rates are constantly changing. Even if you think you had the best rates two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance online but we're going to give you some great ways to reduce your car insurance bill.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding the best rates in Ozark is easy if you know what you're doing. But Arkansas consumers do need to know the way companies market insurance on the web.

Ozark car insurance quote

Free Ozark Car Insurance Quotes

All major car insurance companies give price estimates online. Getting quotes is quite simple as you simply enter your coverage information as detailed in the form. After the form is submitted, the system will obtain reports for credit and driving violations and generates pricing information determined by many factors. Online quotes streamlines rate comparisons, but the time it takes to visit different websites and complete many quote forms is repetitive and time-consuming. But it's very important to do this in order to get the best price on car insurance.

The preferred way to locate the lowest prices is to use a quote form to return rates from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate coverages and limits identical to your current policy. This makes sure you will receive a price comparison for the exact same coverage.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list every available discount in a way that's easy to find, so the following is a list of both the well known and also the lesser-known car insurance savings.

  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Senior Citizens - If you're over the age of 55, you may receive a small decrease in premiums.
  • Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Pay Now and Pay Less - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Multiple Cars - Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
  • E-sign - Certain companies may give you up to $50 for buying a policy and signing up digitally online.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Just because you may think you can get free auto insurance, companies don't profit that way.

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

How can Allstate and Progressive save drivers who switch?

Companies like Allstate and Progressive consistently run ads on television and other media. All the ads say the same thing that you'll save big if you change your coverage to them. How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. A good example of a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will be charged higher premiums which usually ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save that much money. This is how companies can state the savings. That is why you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance needs to address that. For instance, these questions may help you determine whether you might need an agent's assistance.

  • Do I need PIP (personal injury protection) coverage in Arkansas?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered if I wreck a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are rental cars covered under my policy?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

More detailed Arkansas car insurance information can be read at the Arkansas Insurance Department website. Visitors are able to read consumer alerts, learn about insurance regulations, find disaster information, and view a list of available companies.

Ozark car insurance comparison

Final considerations

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. Too many times, drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Discount car insurance is attainable both online as well as from independent agents in Ozark, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and many times these small insurance companies only sell through independent insurance agents.