Top 7 Ways to Save Money on Car Insurance in Rogers

Having to pay for overpriced car insurance can overdraw your checking account and force you to make sacrifices. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

Lots of contend to insure your vehicles, and because of this it can be hard to compare to get the lowest rate

If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Rogers is not that difficult. Although Texas car owners do need to know the way insurance companies market insurance on the web and apply this information to your search.

compare Rogers car insurance rates

Don't pay full price with these seven discounts

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find ways to save on car insurance.

  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • 55 and Retired - Older drivers may receive a small decrease in premiums.
  • Low Mileage Discounts - Low mileage vehicles can earn better rates on cars that stay parked.
  • Safety Course Discount - Completing a driver safety course could cut 5% off your bill depending on where you live.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Lower Rates for Military - Having a family member in the military could be rewarded with lower premiums.
  • Claim Free - Drivers who don't have accidents can save substantially when compared to frequent claim filers.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So when the math indicates all the discounts add up to a free policy, you won't be that lucky.

For a list of insurance companies with discount car insurance rates in Rogers, click this link.

Low Cost Rogers Car Insurance

There are multiple methods to compare car insurance quotes, but one way is less labor-intensive and much quicker. You can waste hours talking to insurance agencies in Rogers, or you can stay home and use online quoting to get pricing more quickly.

Most car insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each participating company provides a quote. This system prevents you from having to do quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify the companies to get quotes from. So if you want to choose specific providers to compare rates, we put together a list of the cheapest car insurance companies in Texas. Click here to view list.

It doesn't matter which method you choose, just make darn sure you compare the exact same coverage limits for each price quote. If you compare differing limits it will be very difficult to truly determine the lowest rate in Rogers. Having just a slight variation in coverages may result in large price differences. And when comparison shopping, comparing more company's prices will increase your chances of finding better pricing.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered when driving on a suspended license?

If it's difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Shop smart and save

When you buy insurance online, you should never sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest price while still protecting your assets.

The cheapest car insurance is attainable from both online companies as well as from independent agents in Rogers, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and these regional insurance providers work with independent agents.