How to Get the Cheapest Paris Auto Insurance

Finding lower rates for Paris auto insurance is nearly impossible for consumers new to comparing rates online. Drivers have so many companies to choose from that it can be a challenge to locate the lowest price in Paris.

It's important to get comparison quotes once or twice a year because insurance rates are constantly changing. Just because you found the lowest price last year a different company probably has better rates today. Block out anything you think you know about auto insurance because you're about to find out the quickest way to properly buy coverages while reducing your premium.

Be sure to get all your discounts

Car insurance can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be applied when you get a quote, but less common discounts must be asked for before you will receive the discount.

Passive Restraints - Vehicles with factory air bags can qualify for discounts up to 30%.
Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
Clubs and Organizations - Participating in a civic or occupational organization may earn a discount on your policy.
No Claims - Claim-free drivers pay much less compared to drivers who are more careless.
Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.

Keep in mind that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will reduce the amount you have to pay.

Understand what determines the rate you pay

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into your rates.

Clean credit earns discounts - Your credit score is a big factor in your rate calculation. Consumers who have good credit tend to be less risk to insure than drivers with lower ratings. If your credit history is low, you could potentially save money when insuring your by improving your credit score.
Theft deterrents lower rates - Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Do you have enough liability coverage? - Your policy's liability coverage will protect you in the event that a court rules you are at fault for damages caused by your negligence. It provides legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not skimp.
Do you work long hours in a high stress job? - Occupations like judges, social workers and dentists are shown to have the highest average rates due to high stress and long work days. Other occupations like farmers, historians and retirees pay the least.
Safer cars cost less to insure - Vehicles with high crash test scores get lower rates. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Males pay more for insurance - The statistics show women are more cautious behind the wheel. Now that doesn't mean men are WORSE drivers than women. Both sexes have accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets such as DWI and reckless driving.
Keep rates low by being claim-free - Insurance companies in Arkansas generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.

Is there truth in advertising?

Companies like State Farm and Allstate consistently run television and radio advertisements. All the ads have a common claim that you can save if you change your policy. How can each company make almost identical claims? It's all in the numbers.

Insurance companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk could possibly be between the ages of 30 and 50, has no tickets, and drives newer vehicles. A driver that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will be charged higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say "customers who switch" but not "drivers who get quotes" save that kind of money. That's why insurance companies can claim big savings.

That is why drivers should get as many quotes as possible. It is impossible to predict the company that will give you the biggest savings.

More Arkansas auto insurance information

More information is located on the Arkansas Insurance Department website found here. Arkansas consumers can find out industry alerts, view a list of available companies, and find out which companies have the most complaints.

Final considerations

In this article, we presented a lot of techniques to reduce auto insurance prices online. It's most important to understand that the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the lowest rates come from a small mutual company.

Drivers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, questionable increases in premium and even high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is less work than it seems.

Affordable auto insurance can be sourced online in addition to many Paris insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.