Free Guide to Paying Less for El Dorado Arkansas Auto Insurance Online

People who are new to shopping for insurance online may find purchasing cut-rate El Dorado auto insurance is more work than they anticipated.

Are you getting all your discounts?

Companies don’t list every discount very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re paying more than you need to.

• Drive Less and Save – Fewer annual miles could qualify for lower rates on the low mileage vehicles.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
• Accident Forgiveness – Some insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
• Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
• Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
• Employee of Federal Government – Simply working for the federal government could cut as much as 10% off depending on your company.
• Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
• Sign Online – Some insurance companies may give you up to $50 for buying your policy digitally online.
• New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
• College Student – Children living away from home attending college without a vehicle on campus can receive lower rates.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn’t work that way.

For a list of insurance companies offering auto insurance discounts in El Dorado, follow this link.

Quote online but still have a local agent

Some people just want to buy from a licensed agent and that is OK! Good agents can answer important questions and give you someone to call. The biggest benefit of price shopping on the web is that you can obtain better rates but still work with a licensed agent.

By using this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in El Dorado who will give you bids for your coverage. You never need to even leave your home due to the fact that quote results will go to your email. How’s that for easy!

Selecting an insurance company shouldn’t rely on just the premium amount. Some important questions to ask are:

• Do they assist clients in filing claims?
• Is working in the agency their full-time job?
• Do they carry Errors and Omissions coverage?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Does the agency provide any after hours assistance?
• How long has their agency been open in El Dorado?
• What insurance company do they write the most business with?
• Which members of your family are coverage by the policy?

To view a list of agents in El Dorado to contact, please click here.

After receiving reasonable responses to your questions as well as a affordable price, you may have just found an insurer that will properly insure your vehicles.

Do drivers who switch really save?

Arkansas consumers can’t ignore all the ads that promise big savings by companies like Allstate, GEICO and Progressive. They all make the same claim about savings if you move to them.

But how can every company make almost identical claims?

Different companies have a certain “appetite” for the right customer that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, has no prior claims, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile must pay higher rates and this can result in business not being written. The ads state “drivers who switch” not “people who quote” save that much. That’s why companies can advertise the way they do. This illustrates why you absolutely need to compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest rates.

More information about auto insurance

More tips and info about auto insurance can be found at the Arkansas Insurance Department website. Consumers can view a list of available companies, get help finding coverage, and find out which companies have the most complaints.

Final thoughts

Cheap auto insurance is attainable online in addition to many El Dorado insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

People who switch companies do it for many reasons like extreme rates for teen drivers, not issuing a premium refund, delays in responding to claim requests or being labeled a high risk driver. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.