How to Get Low-Cost Russellville Car Insurance

Are you intimidated by the dozens of car insurance choices in Russellville? Lot's of other consumers are too. People have so many options that it can turn into more work than you anticipated to find the perfect company for you.

It's important to compare prices every six months because rates are constantly changing. If you had the lowest price six months ago you may be paying too much now. Block out anything you think you know about car insurance because you're about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.

How to Compare Car Insurance Quotes in Russellville, Arkansas

Getting better car insurance pricing doesn't have to be difficult. You just have to spend a little time comparing price quotes provided by online insurance companies. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This method prevents you from having to do boring form submissions for each company you want a rate for. Filling out one form gets you coverage quotes from all major companies. Just one form and you're done.

Another way to get quotes online consists of going to the website for each individual company to request a price quote. For example, we'll pretend you want to compare rates from , and . To get each rate you have to visit each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Russellville, click here.

Whichever way you use, ensure you are comparing apples-to-apples coverages for each price quote. If you have different limits and deductibles on each one then you won't be able to truly determine the lowest rate in Russellville.

Arkansas car insurance quotes

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces car insurance companies consider when setting rates.

  • Where do you drive? - The more you drive in a year the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Double check that your car insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Liability coverage protects you - The liability section of your policy provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Keep rates low by being claim-free - If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies in Arkansas provide discounts to insureds who are claim-free. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • What type of vehicle do you drive? - The performance level of the vehicle you own makes a big difference in the rate you pay. The lowest base rates are generally reserved for low performance passenger vehicles, but the final cost of insurance is determined by many other factors.
  • How's your driving record? - Your driving citation history has a big impact on rates. Careful drivers get better rates than people who have multiple driving citations. Just one moving violation can boost insurance rates forty percent or more. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • Marriage pays dividends - Having a wife or husband actually saves money when buying car insurance. It means you're more responsible and statistics show being married results in fewer claims.

Save big with these discounts

Companies offering auto insurance don't necessarily list all their discounts very well, so we researched some of the more common and also the lesser-known car insurance savings. If you don't get every credit possible, you're just leaving money on the table.

  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy life insurance.
  • Club Memberships - Belonging to a professional or civic organization could qualify you for a break on car insurance.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off with select insurance companies.
  • Sign Early and Save - Some companies give discounts for switching to them before your current policy expires. It can save you around 10%.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • No Charge for an Accident - Some insurance companies allow you one accident without raising rates as long as you don't have any claims for a set time period.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

For a list of companies with the best car insurance discounts in Arkansas, follow this link.

Even more information is located at the Arkansas Insurance Department website. Consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and download brochures.

Other useful links include Auto Insurance 101 and this page where you can research Russellville insurance agents.

And the best car insurance company is...

As you restructure your insurance plan, don't be tempted to reduce needed coverages to save money. In many instances, someone sacrificed liability coverage limits only to discover later that they should have had better coverage. The ultimate goal is to find the BEST coverage at the best price.

Cheap car insurance is definitely available from both online companies and also from your neighborhood Russellville agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, questionable increases in premium, extreme rates for teen drivers and high prices. Whatever your reason, finding a new car insurance company is not as hard as you think.