Pea Ridge Auto Insurance For Less Than You're Paying Now

Are you intimidated by the dozens of auto insurance choices in Pea Ridge? You're not the only one! There are so many choices that it can turn into a challenge to find the lowest price.

It's important to shop coverage around every six months since insurance rates are constantly changing. If you had the lowest price last year there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about auto insurance online but I'm going to show you some great ways to reduce your auto insurance bill.

If you are insured now or are looking for a new policy, you will benefit by learning to find the best rates while maximizing coverage. The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. Arkansas consumers only need to know how to get comparison quotes online.

Tips to Get Lower Pea Ridge Rates

Consumers need to have an understanding of some of the elements that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

The list below includes a partial list of the pieces used by your company to calculate rates.

Rate your vehicle for proper use - The more you drive in a year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Vehicles that are left in the garage receive lower rates than those used for commuting. Verify your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
Don't skimp on liability - The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Don't cancel a policy without a new one in place - Driving your car without having proper coverage can get your license suspended and your next policy will cost more because you let your insurance lapse. Not only will you pay more, but not being able to provide proof of insurance can result in a steep fine or even jail time.
Rates may be higher depending on your occupation - Jobs such as judges, architects and dentists have the highest average rates because of high stress levels and long work hours. Other professions such as actors, historians and the unemployed get better rates.
Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can help bring down rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
Don't get talked into coverage you don't need - There are a lot of extra coverages that you can buy if you aren't careful. Insurance for roadside assistance, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.

How to Compare Auto Insurance Quotes in Pea Ridge, Arkansas

Reducing your insurance rates is surprisingly easy. Just invest a little time comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

The fastest way to find low rates is to use a rate comparison form click here to open form in new window. This method eliminates the need for separate forms for each company. Filling out one form gets you coverage quotes from several companies.It's the quickest way to get rates.
A less efficient way to compare rate quotes consists of going to the website for each individual company and request a quote. For examples sake, let's say you want to compare rates from , and . You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

To view a list of companies in Pea Ridge, click here.

It doesn't matter which method you choose, just ensure you are comparing exactly the same coverages with every price quote. If the quotes have different limits and deductibles on each one it's not possible to find the best deal in Pea Ridge.

Take advantage of discounts

Car insurance companies don't always advertise all their discounts in a way that's easy to find, so we researched some of the best known as well as the least known auto insurance savings. If you aren't receiving every discount possible, you are paying more than you should be.

Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
Organization Discounts - Affiliation with a civic or occupational organization could qualify you for a break on auto insurance.
Use Seat Belts - Buckling up and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
Claim Free - Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Defensive Driving Course - Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
Discount for Good Grades - This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, you won't be that lucky.

To choose companies with the best auto insurance discounts in Pea Ridge, follow this link.

Are auto insurance companies telling the truth?

Arkansas drivers can't ignore all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move your coverage to them.

How can each company say the same thing?

Different companies are able to cherry pick for the type of customer that makes them money. For instance, a desirable insured might be profiled as over the age of 40, has no driving citations, and has great credit. A propective insured who fits that profile will get the preferred rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay a more expensive rate which usually ends up with business not being written. The ads state "customers that switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the savings. Because of the profiling, you need to compare as many rates as you can. It's not possible to predict which auto insurance company will give you the biggest savings.

Even more information is located at the Arkansas Insurance Department website. Arkansas drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and find a variety of consumer forms.

In the end, you save

As you prepare to switch companies, it's a bad idea to reduce coverage to reduce premium. In many instances, someone sacrificed collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at a price you can afford.

The cheapest auto insurance is definitely available on the web as well as from independent agents in Pea Ridge, and you need to comparison shop both to have the best rate selection. There are still a few companies who don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

Consumers who switch companies do it for a number of reasons such as delays in paying claims, questionable increases in premium, being labeled a high risk driver or even high rates after DUI convictions. No matter why you want to switch, choosing a new insurance company is easier than you think.