Top 8 Ways You Can Buy Car Insurance for Less in Rector Arkansas

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, there are many Rector consumers feeling the pinch from expensive car insurance.

Companies like GEICO and Progressive persitently shower you with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to compare rates at least once a year since rates are constantly changing. Just because you found the best rates two years ago you can probably find a better price now. You'll find quite a bit of inaccurate information about car insurance on the internet, so we're going to give you some great ways to quit paying high car insurance rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Rector is easy if you know what you're doing. But Arkansas car owners do need to know the way companies sell online.

Don't pay full price with these eight discounts

Car insurance companies do not advertise every available discount in a way that's easy to find, so the following is a list of some of the more common and the more hidden discounts you could be receiving.

Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
Low Mileage - Fewer annual miles could qualify for a substantially lower rate.
Homeowners Discount - Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
Federal Government Employee - Employees or retirees of the government can earn a discount up to 10% with certain companies.
Anti-lock Brakes - Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
New Car Discount - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
Organization Discounts - Belonging to a civic or occupational organization may earn a discount on your policy.

Drivers should understand that some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, companies wouldn't make money that way.

To choose providers who offer car insurance discounts in Rector, click here.

The car insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads have a common claim that you'll save big after switching to their company. How can each company make the same claim?

Different companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any new insured that hits that "sweet spot" is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money and this can result in business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save that much. That's the way companies can state the savings. That is why you should get as many comparisons as possible. It's just too difficult to predict which car insurance company will give you the biggest savings.

More detailed Arkansas car insurance information can be read at the Arkansas Insurance Department website. Consumers can file complaints about a company, discover disciplinary actions, report car insurance fraud, and download brochures.

Affordable insurance is out there

You just learned a lot of techniques to save on car insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the lowest rates come from an unexpected company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as .

Budget-conscious car insurance can be sourced from both online companies and also from your neighborhood Rector agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.