Top Ways to Save on Wilson Car Insurance

No one likes paying for car insurance, especially when their premiums are through the roof.

Multiple compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest rate

It's important to check car insurance prices periodically since rates are constantly changing. Just because you had the lowest rates a year ago you may be paying too much now. Starting now, forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Buying car insurance in Wilson is quite easy. Nevertheless, Arkansas car owners do need to know how insurance companies sell insurance online and use this information to your advantage.

Wilson Car Insurance Comparisons

There are several ways to compare rate quotes from different Wilson insurance companies. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This method eliminates the need for repetitive form submissions for each company. Just one form will return quotes from multiple companies.

A different way to get quotes online is to take the time to go to each company's website and fill out their own quote form. For example, we'll pretend you want to compare , and . You would have to visit each site and enter your information, which is why most consumers use the first method. To view a list of companies in Wilson, click here.

The least efficient method to compare rates is to drive around to different agent offices. The internet makes this process obsolete unless you prefer the professional guidance of a licensed agent. You can, however, compare the best prices online and still use a local agent and we'll cover that in a bit.

Which method you use is up to you, but be sure to compare the exact same coverages and limits for every quote you compare. If you have different deductibles it will be impossible to determine the best price in Wilson. Just a small difference in coverage limits can make a big difference in price. Keep in mind that quoting more will increase your chances of finding a lower rate.

What determines how much you pay?

It's important that you understand some of the elements that go into determining your car insurance rates. Understanding what determines base rates allows you to make educated decisions that may reward you with better car insurance rates.

Older drivers save more - Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations. Young drivers are statistically proven to get distracted easily behind the wheel therefore car insurance rates are much higher.
Type of vehicle determines base rates - The type of car you own makes a big difference in the rate you pay. Lower performance four cylinder passenger cars receive the most favorable rates, but there are many factors that impact the final cost.
Tickets mean higher rates - Good drivers receive lower rates than bad drivers. Just one citation can increase rates twenty percent or more. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to continue driving.
Add-on coverages can add up - There are many additional coverages that you can buy on your policy. Coverages like roadside assistance, towing coverage and motor club memberships are examples of these. They may seem good at first, but if you don't need them get rid of them and save.

Save big with these discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit.

New Car Discount - Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
Early Signing - A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
Air Bag Discount - Factory air bags or motorized seat belts can get savings of up to 25% or more.
Defensive Driver - Taking a driver safety course can save you 5% or more depending on where you live.
Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Good Student - Getting good grades can save 20 to 25%. This discount can apply until age 25.
Sign Online - Some insurance companies will give a small break simply for signing on their website.
Accident Forgiveness - A few companies permit an accident without raising rates as long as you don't have any claims for a certain period of time.

Consumers should know that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will cut your overall premium however.

For a list of companies offering car insurance discounts in Wilson, follow this link.

But I don't know anything about car insurance

When it comes to choosing adequate coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation may require specific advice.

Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Can I rate high risk drivers on liability-only vehicles?
Do I really need UM/UIM coverage?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Arkansas?

If you don't know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Additional car insurance information can be found on the website for the Arkansas Insurance Department through this link. Consumers can read enforcement actions against agents and companies, learn about specific coverages, file complaints about a company, and discover disciplinary actions.

Final considerations

While you're price shopping online, you should never reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your aim should be to find the BEST coverage at an affordable rate.

You just learned a lot of information how to lower your car insurance rates. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even discover the biggest savings come from an unexpected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like .

Cost effective car insurance is available from both online companies and with local Wilson insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.