How to Get the Cheapest Pollard Auto Insurance

If you are a novice to online auto insurance shopping, it's easy to be confused because of the huge number of auto insurance companies competing for business in Pollard.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Shopping for affordable coverage in Pollard is easy if you know what you're doing. But Arkansas drivers do need to know the way insurance companies price online insurance because it can help you find the best coverage.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in much lower annual insurance costs.

  • What are your deductibles? - Physical damage deductibles represent how much money you are willing to pay before your auto insurance pays a claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The more the insured has to pay upfront, the lower your rates will be.
  • Traffic violations increase rates - Only having one citation may increase your cost forty percent or more. Drivers with clean records have lower premiums than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Multiple policies with one company can save - Most auto insurance companies will award you with lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Your job and insurance rates - Did you know that where you work can have an impact on rates? Occupations such as judges, executives and dentists are shown to have the highest average rates because of stressful work requirements and long work days. Other occupations like scientists, historians and homemakers pay the least.

Vehicle Insurance Comparison

Comparing auto insurance rates can be challenging if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Pollard, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the larger companies participate in a marketplace that allows shoppers to submit their information once, and each participating company returns a rated price for coverage. This system prevents you from having to do quotation requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

One minor caviat to comparing rates this way is you are unable to specify which providers you want pricing from. So if you prefer to choose from a list of companies to compare, we have a page of auto insurance companies in Arkansas. Click here for list of insurance companies in Arkansas.

It doesn't matter which method you choose, just be sure to compare exactly the same coverage limits and deductibles on every quote you get. If you use different liability limits it will be impossible to determine which rate is truly the best in Pollard. Having just a slight variation in insurance coverages could mean much higher rates. Keep in mind that having more price comparisons will improve the odds of getting the best rates.

How much can you save with discounts?

Companies don't always advertise all available discounts in a way that's easy to find, so we researched both well-publicized as well as the least known ways to save on auto insurance.

  • Homeowners Savings - Owning a home in Pollard may earn you a small savings because owning a home shows financial diligence.
  • Early Signing - Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • Auto/Home Discount - If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • No Claims - Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
  • Payment Discounts - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Organization Discounts - Participating in a civic or occupational organization could trigger savings when buying auto insurance.
  • Student in College - Any of your kids who are attending college and do not have a car can receive lower rates.

Consumers should know that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

To choose insurers offering auto insurance discounts in Pollard, click this link.

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

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies make the same claim that you'll save big if you switch your policy. How can each company make almost identical claims?

Insurance companies have a certain "appetite" for the right customer that makes them money. For instance, a profitable customer could possibly be a mature driver, a clean driving record, and drives newer vehicles. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't meet the requirements must pay a higher premium which leads to the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can claim big savings. This illustrates why you need to get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings.

How much car insurance do I need?

When buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Does my car insurance cover rental cars?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

More detailed Arkansas auto insurance information is located at the Arkansas Insurance Department website. Arkansas consumers can report car insurance fraud, file complaints about a company, and read consumer alerts.

Arkansas auto insurance

The best insurance company isn't always the cheapest

Discount auto insurance can be found online in addition to many Pollard insurance agents, and you need to price shop both to have the best selection. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

In this article, we presented many ideas to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. Consumers may even find the best price on auto insurance is with a small local company.

When trying to cut insurance costs, it's a bad idea to reduce coverage to reduce premium. In too many instances, someone dropped liability coverage limits only to discover later that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.