Compare Blytheville Auto Insurance at a Discount With These Tricks

Scraping up a payment for overpriced auto insurance can overdraw your personal savings and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with catchy ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Finding affordable coverage in Blytheville is quite easy. Nevertheless, Arkansas drivers must know the methods companies use to compete online and take advantage of how the system works.

Discounts can save BIG

Insurance can be prohibitively expensive, but you may find discounts to cut the cost considerably. Most are applied at the time of quoting, but less common discounts must be inquired about before you get the savings.

Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
Senior Citizens – Mature drivers can possibly qualify for a discount up to 10%.
Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if offered at their school.
Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
Club Memberships – Being a member of a civic or occupational organization may earn a discount when shopping for auto insurance.
Drive Safe and Save – Safe drivers can pay as much as 50% less than less cautious drivers.
Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% with certain companies.
One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Student in College – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down the cost of coverage.

For a list of insurance companies with discount auto insurance rates in Arkansas, click here to view.

When might I need the advice of an agent?

When it comes to buying coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if you would benefit from professional advice.

How much underlying liability do I need for an umbrella policy?
When would I need rental car insurance?
Is my vehicle covered for flood damage?
I have good health insurance, so how much medical payments coverage do I need?
Can I get a multi-policy discount for packaging my home and auto coverage?
Should I buy only the required Arkansas minimum liability coverage?
Does having multiple vehicles earn me a discount?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Neighborhood insurance agents

Certain consumers prefer to sit down with an agent and that is a personal choice. One of the great benefits of price shopping on the web is you may find better rates but also keep your business local. Buying from local agencies is important particularly in Blytheville.

After filling out this short form, the quote information is transmitted to insurance agents in Blytheville who will return price quotes to get your business. There is no need to leave your house as quotes are delivered straight to your inbox. How’s that for easy! You can find the lowest rates and a licensed agent to work with.

Listed below are agents in Blytheville that may be willing to give price quotes.

Farm Bureau Insurance – 1580 S Division St, Blytheville, AR 72315 – (870) 763-7822
Staggs Insurance – 711 S Air Base Hwy, Blytheville, AR 72315 – (870) 532-8100
State Farm Insurance – 605 N 6th St, Blytheville, AR 72315 – (870) 763-9233
Memorial Insurance Co – 634 W Main St, Blytheville, AR 72315 – (870) 763-0713
Farmers Insurance Group – 553 N 10th St, Blytheville, AR 72315 – (870) 763-6400
Allstate Insurance Co – 316 N 5th St, Blytheville, AR 72315 – (870) 763-3159

Choosing a company requires more thought than just the premium amount. Here are some questions to ask:

If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Do you have coverage for a rental car if your vehicle is in the repair shop?
Is the agent and/or agency licensed to do business in Arkansas?
Which insurance companies are they affiliated with?
Are claims handled at the agent’s location?
Did they already check your driving record and credit reports?

Upon getting answers to your satisfaction to all your questions and an acceptable price quote, most likely you have located an provider that is a good match to insure your vehicles.

Save $421 a year? Really?

Companies like State Farm, Allstate and GEICO consistently run ads in print and on television. All the ads say the same thing of big savings if you change your coverage to them. How do they all make the same claim? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a profitable customer could be between the ages of 40 and 55, a clean driving record, and has a short commute. A driver who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside the “perfect” profile will be quoted a higher premium which usually ends up with the customer not buying. The ads state “people who switch” not “people who quote” save that much. This is how companies can truthfully make the claims of big savings.

This emphasizes why you should quote coverage with many companies. Because you never know which insurance companies will fit your personal profile best.

Additional reading for auto insurance information

Much more information about auto insurance in Arkansas can be found on the website for the Arkansas Insurance Department. Click here for link. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Also read more on these car insurance answers and this page on QuoteClickInsure.com.

The best insurance company isn’t always the cheapest

When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice liability coverage limits to discover at claim time that it was a big mistake. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.

We covered some good ideas how to save on auto insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. You may even discover the lowest rates come from a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.