7 Discounts Pocahontas Shoppers Forget when Quoting Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out.

Because you have many choices of insurance companies, it's nearly impossible to pick the lowest price company.

These seven discounts can lower your rates

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. A few discounts will automatically apply when you quote, but a few need to be manually applied before you get the savings.

  • Fewer Miles Equal More Savings - Keeping the miles down can earn better rates on cars that stay parked.
  • Memberships - Belonging to a professional or civic organization could trigger savings when buying car insurance.
  • Military Discounts - Having a family member in the military can result in better rates.
  • Sign Early and Save - A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Auto/Home Discount - When you combine your home and auto insurance with one insurance company you may save up to 20% off your total premium.
  • No Claims - Drivers with accident-free driving histories can save substantially when compared with bad drivers.
  • Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce the cost of coverage.

To see a list of insurers with the best car insurance discounts in Arkansas, click this link.

car insurance in Pocahontas

Comprehensive Pocahontas Car Insurance Comparison

Most companies allow you to get insurance quotes online. Getting quotes doesn't take much effort as you just enter the coverages you want as detailed in the form. Once you submit the form, their rating system will obtain credit information and your driving record and returns pricing information. This makes it a lot easier to compare rates but the time it takes to visit each company's website and repetitively type in the same information gets old quite quickly. But it's very important to compare as many rates as possible in order to find better car insurance pricing.

There is a better way!

The preferred way to lower your rates is to use a quote form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes online price comparison much more efficient. As soon as you send your information, it is rated and you are able to buy any or none of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and may save quite a bit of money.

To find out what other companies charge, click here to open in new window and enter your information. If you currently have coverage, we recommend you enter the limits and deductibles as shown on your current policy. This makes sure you're receiving comparison quotes based on the exact same insurance coverage.

Are you falling for claims of savings?

21st Century, Allstate and State Farm regularly use ads on television and other media. All the companies make the same claim that you can save if you move your policy. But how can every company make the same claim?

All companies are able to cherry pick for the right customer that is profitable for them. For example, a profitable customer could be between 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who are not a match for this ideal profile must pay a higher premium which leads to business going elsewhere. The ad wording is "people who switch" not "everybody who quotes" save that kind of money. That's the way insurance companies can advertise the way they do.

This illustrates why drivers must get as many comparisons as possible. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Affordable insurance is out there

Affordable car insurance is possible from both online companies in addition to many Pocahontas insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

More information can be found on the website for the Arkansas Insurance Department through this link. Consumers can find disaster information, find out which companies have the most complaints, file complaints about a company, and read industry bulletins.

Additional helpful sites include this resource for Arkansas car insurance prices and this page of Pocahontas insurance agents.