Uncover Consumer Tested Strategies to Save on Forrest City, AR Auto Insurance

Cutting costs on Forrest City auto insurance can be nearly impossible for consumers not familiar with buying insurance online. Drivers have so many options available that it can be a lot of work to compare prices in Forrest City.

Get Cheaper Rates by Understanding Pricing

Consumers need to have an understanding of the factors that help determine the rates you pay for auto insurance. Knowing what influences your rates enables informed choices that could result in better auto insurance rates.

Your job and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, social workers and stock brokers tend to have the highest rates attributed to job stress and long work hours. On the other hand, occupations like pilots, students and homemakers receive lower rates.
Men fork out a little more – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men cause accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as DWI and reckless driving.
Extra add-on coverages are wasting money – There are quite a few add-on coverages you can purchase on your auto insurance policy. Coverages for rental car reimbursement, better glass coverage and membership fees are some examples. They may seem good at first, but your needs may have changed so eliminate them to save money.
Being married is a good thing – Having a wife or husband can get you a discount when buying auto insurance. Having a spouse means you’re more responsible and statistics show married couples file fewer claims.
With age comes lower rates – Older drivers are more cautious drivers, tend to file fewer claims and get fewer tickets. Teen drivers are known to be more careless behind the wheel and because of this, their auto insurance rates are much higher.
Allowing your policy to lapse raises rates – Allowing your coverage to lapse is a quick way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may have to file a SR-22 with the Arkansas motor vehicle department to get your license reinstated.

How much can you save with discounts?

Companies don’t always list every discount in a way that’s easy to find, so we break down both well-publicized and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you’re paying more than you need to.

Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
Claim Free – Claim-free drivers pay less when compared to frequent claim filers.
Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts well after school through age 25.
Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Club Memberships – Being a member of a qualifying organization could trigger savings on auto insurance.
Student in College – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.
Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
Multiple Policy Discount – If you have multiple policies with one company you will save approximately 10% to 15%.
Military Rewards – Being on active duty in the military could mean lower rates.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurance companies with the best auto insurance discounts in Arkansas, click this link.

Can’t I compare rates from local Forrest City agents?

A small number of people would rather buy from a licensed agent. Insurance agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is you may find the lowest rates and still have an agent to talk to.

Upon completion of this quick form, your coverage information is immediately sent to companies in Forrest City who will return price quotes for your coverage. There is no need to leave your computer because quoted prices will be sent immediately to your email address. Now that’s easy!

Choosing an provider shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:

Can glass repairs be made at your home?
Which company do they place the most coverage with?
Which members of your family are coverage by the policy?
Do they specialize in personal lines coverage?
Do they carry Errors and Omissions coverage?

Forrest City car insurance agents come in two flavors

When searching for a good Forrest City insurance agent, you must know there are a couple different agency structures from which to choose. Agencies in Forrest City are either independent or captive. Both properly insure your vehicles, but it’s good to learn how they are different since it can impact the type of agent you choose

Captive Insurance Agents

Captive insurance agents work for only one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They generally cannot compare other company’s rates so they have to upsell other benefits. Captive agents are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes purchase coverage from captives mainly due to high brand loyalty and the convenience of having all coverages with one company.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-23.jpg" alt="lower rates in Arkansas” />

Below is a short list of captive insurance agents in Forrest City who can help you get rate quotes.

State Farm Insurance – 803 N Washington St – Forrest City, AR 72335 – (870) 633-4592
Shelter Insurance – 4685 N Washington St – Forrest City, AR 72335 – (870) 633-8082
Farmers Insurance Group – 1310 N Division St – Forrest City, AR 72335 – (870) 633-6550

Independent Agencies or Brokers

Independent agents are not required to write business for one company but instead can place your coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, it’s recommended you include several independent insurance agents to get the best comparison.Most can insure with smaller regional carriers which can save you money.

Below is a short list of independent insurance agents in Forrest City that are able to give price quote information.

Al Miller Insurance – 1022 N Washington St – Forrest City, AR 72335 – (870) 633-3969
Flanagin Insurance – 935 N Washington St – Forrest City, AR 72335 – (870) 633-1934

For a full directory of insurance agents in Forrest City, view this link.

After receiving reasonable responses to these questions and an affordable coverage quote, most likely you have located an insurance agent that can service your policy.

The auto insurance bait and switch

Arkansas consumers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all seem to have a common claim that you can save if you move to their company.

How does each company make almost identical claims?

All companies are able to cherry pick for the right customer they prefer to insure. For example, a profitable customer might be profiled as between 25 and 40, has no prior claims, and chooses high deductibles. A driver who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who don’t qualify for these standards must pay higher prices and this can result in the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much. That is how insurance companies can make the claims of big savings. This illustrates why you should get quotes from several different companies. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Even more information is located at the Arkansas Insurance Department website. Arkansas consumers can read industry bulletins, get help finding coverage, find a variety of consumer forms, and find out which companies have the most complaints.

Also read more on this page for auto insurance in Arkansas and this list of agents in Forrest City, AR.

Smart shoppers get results

When you buy insurance online, never sacrifice coverage to reduce premiums. In too many instances, drivers have reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

Drivers leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, denial of a claim or even policy cancellation. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

Cheaper auto insurance can be sourced both online and also from your neighborhood Forrest City agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.