Top 6 Ways to Pay Less on Car Insurance in Proctor

If online car insurance comparisons are new to you, you may be overwhelmed by the large number of car insurance companies selling insurance in Proctor.

Finding Car Insurance Deals in Proctor, AR

There are several ways to shop for car insurance, but some are less time-consuming than others. You can spend countless hours talking about coverages with insurance companies in Proctor, or you could save time and use online quoting to get prices fast.

The majority of car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company returns a competitive quote based on that data. This system prevents you from having to do quote requests to each individual car insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is you can't choose the providers to get quotes from. If you would rather choose individual companies to compare prices, we have assembled a list of car insurance companies in Arkansas. Click here to view list.

It's up to you how you get prices quotes, just make absolute certain that you use identical coverage limits for every company. If you have differing limits it's impossible to decipher which rate is best in Proctor.

Be sure to get all your discounts

Car insurance companies don't always advertise every discount very clearly, so the following is a list of both the well known as well as the least known ways to save on car insurance. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.

It's important to note that most discount credits are not given to your bottom line cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates you could get a free car insurance policy, you're out of luck.

To see a list of insurance companies with discount car insurance rates in Arkansas, click this link.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is a little different.

For example, these questions might point out whether or not you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and can help protect your family.

Additional detailed information can be read at the Arkansas Insurance Department website. Visitors are able to download brochures, read consumer alerts, and discover disciplinary actions.

Additional helpful sites include this online resource for car insurance quotes in Arkansas and this list of insurance agents in Proctor.