How to Find Cheaper Paragould Car Insurance

If you are a novice to online car insurance shopping, it's easy to be confused because of the huge number of car insurance companies selling insurance in Paragould.

It's important to price shop coverage periodically due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price last year you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to how to quote online to buy cheaper car insurance.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. The purpose of this article is to familiarize you with the best way to quote coverages and some tips to save money. Although Arkansas consumers do need to know the way companies market insurance on the web because it can help you find the best coverage.

Arkansas car insurance quotes

Paragould Car Insurance Comparisons

Most companies such as GEICO, State Farm and Progressive provide coverage price quotes directly from their websites. Obtaining pricing doesn't take a lot of time as you just type in your personal and coverage information into the quote form. When the form is submitted, the system will obtain information on your driving record and credit history and provides a quote.

Online price quotes makes it a lot easier to compare rates but the work required to visit several different sites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find a lower rate.

A quicker way to compare rates makes use of a single form that obtains quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes quoting online much easier. After sending your information, it gets priced with multiple companies and you can pick any of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

In order to find out how much you're overpaying now, click here and fill out the form. If you have coverage now, it's recommended you duplicate the limits and deductibles as close as possible to your current policy. This ensures you will receive rate comparison quotes for similar insurance coverage.

More discounts equal less premium

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so we researched both the well known and the harder-to-find car insurance savings.

  • Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of 20% or more.
  • Drive Less and Save - Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Senior Citizens - Mature drivers may receive a discount up to 10%.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Accident Forgiveness - A few companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a certain period of time.

A little note about advertised discounts, most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky.

To see a list of companies with discount car insurance rates in Paragould, follow this link.

It's not one size fits all

When choosing the best car insurance coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different.

Here are some questions about coverages that may help highlight if you might need an agent's assistance.

  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my dog or cat covered if injured in an accident?
  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • What can I do if my company won't pay a claim?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Even more information is located at the Arkansas Insurance Department website. Visitors are able to view agent and company licensing information, file complaints about a company, and find disaster information.