Lower Online Perryville Auto Insurance Prices With These Tricks

If you're new to shopping for auto insurance online, you may be confused by the hoards of auto insurance companies all offering big savings in Perryville.

It's important to compare prices periodically because prices are constantly changing. Even if you think you had the best deal a year ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

If you have a policy now or need new coverage, you can learn to find the best rates and possibly find even better coverage. The purpose of this article is to familiarize you with how car insurance quotes work and some tricks to saving. Arkansas vehicle owners just need to know how to compare prices on the web.

How much can you save with discounts?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help bring down the price. Most are applied when you get a quote, but some must be specifically requested before you will receive the discount. If they aren't giving you every credit you qualify for, you are throwing money away.

Accident Forgiveness - A few companies will allow you to have one accident before your rates go up as long as you don't have any claims for a certain period of time.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of more than 20%.
Drive Less and Save - Low mileage vehicles can qualify you for a substantially lower rate.
Clubs and Organizations - Participating in certain professional organizations may earn a discount on auto insurance.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Save over 55 - If you qualify as a senior citizen, you may receive a small decrease in premiums.
Seat Belt Usage - Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
Federal Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Discount for Swiching Early - Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
Good Student - Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.

Drivers should understand that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, companies wouldn't make money that way. But all discounts will cut the amount you have to pay.

How to Lower your Auto Insurance Rates

Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

Shown below are some of the factors used by your company to calculate rates.

Men are more aggressive - Statistics show that men are more aggressive behind the wheel. Now that doesn't mean women are BETTER drivers than men. Men and women have accidents at about the same rate, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
Careful drivers pay lower rates - Just one speeding ticket can bump up the cost twenty percent or more. Drivers who don't get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Safer cars are cheaper to insure - Safer cars get lower rates. These vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.
Don't sacrifice liability coverage - Your policy's liability coverage is the coverage that protects you if ever a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Every insured's situation is different.

For example, these questions may help highlight if your insurance needs could use an agent's help.

Does my policy cover me when driving someone else's vehicle?
Can I rate high risk drivers on liability-only vehicles?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I put collision coverage on all my vehicles?

If you can't answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Arkansas consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to have a common claim that you'll save big if you change your coverage to them.

How do they all make almost identical claims? This is how they do it.

Different companies have a certain "appetite" for the type of customer that earns them a profit. An example of a desirable insured could possibly be over the age of 40, a clean driving record, and has excellent credit. A customer getting a price quote that hits that "sweet spot" will get very good rates and is almost guaranteed to cut their rates substantially.

Drivers who don't meet the "perfect" profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ads say "drivers who switch" but not "drivers who get quotes" save that much money. That is how companies can make those claims.

Because of the profiling, drivers should get quotes from several different companies. It's impossible to know which company will have the lowest rates.

Much more information about auto insurance in Arkansas is available on the Arkansas Insurance Department website. Click here for link. Arkansas consumers can learn about insurance regulations, file complaints about a company, and find disaster information.

A tidy conclusion

Budget-conscious auto insurance is attainable online as well as from independent agents in Perryville, and you need to comparison shop both to have the best chance of lowering rates. Some companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

You just read a lot of techniques to reduce auto insurance prices online. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest premiums are with a lesser-known regional company.

While you're price shopping online, never skimp on coverage in order to save money. In many cases, someone dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to find the BEST coverage for the lowest price.