Uncover Proven Ways to Save on Rogers Arkansas Auto Insurance

Finding lower premiums on Rogers auto insurance is always hard for consumers new to buying insurance online. Drivers have so many options that it can be a big hassle to compare prices in Rogers.

Cheap Rogers Auto Insurance Comparisons

There are a variety of methods to shop for auto insurance, but one way is easier and takes less work. You can waste a few hours (or days) talking about coverages with local insurance agents in Rogers, or you can utilize online quoting for quick rates.

Most major companies belong to an insurance system where insurance shoppers only type in their quote data once, and each company returns a competitive quote. This system prevents you from having to do quote forms to each company. To compare rates now click here to start a free quote.

The single downside to comparing rates this way is buyers cannot specifically choose which carriers to receive prices from. So if you want to select specific providers to compare prices, we have assembled a list of companies who write auto insurance in Arkansas. Click to view list.

Whichever method you choose, double check that you are using the exact same information for every company. If the quotes have mixed coverages it’s impossible to determine which rate is truly the best in Rogers. Having just a slight variation in insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that more quotes will improve the odds of getting the best price.

Lots of discounts mean lots of savings

Auto insurance companies don’t list every discount in an easy-to-find place, so we researched both the well known and also the lesser-known savings tricks you should be using.

• Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
• Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
• Anti-theft Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
• Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
• One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Paperless Signup – Some insurance companies may give you up to $50 for buying your policy on their website.
• Defensive Driving Course – Taking a defensive driving course can save you 5% or more depending on where you live.
• Military Rewards – Being on active duty in the military could mean lower rates.
• Club Memberships – Affiliation with certain professional organizations could trigger savings on your policy.
• Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

To choose insurers with the best auto insurance discounts in Rogers, click here to view.

What determines how much you pay?

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Understanding what controls the rates you pay enables informed choices that could result in lower auto insurance prices.

The list below includes some of the items auto insurance companies consider when setting premiums.

• Little extras can really add up – There are quite a few extra coverages that you can buy on your policy. Things like personal injury protection, towing coverage and membership fees are examples of these. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
• Never let your coverage lapse – Driving without insurance is against the law and auto insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with the Arkansas motor vehicle department.
• Where you live can impact rates – Choosing to live in small towns and rural areas has it’s advantages when it comes to auto insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
• Younger drivers pay higher rates – Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.

Situations that might require an agent

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions could help you determine if your situation will benefit from professional help.

• Are all vehicle passengers covered by medical payments coverage?
• Do I need added coverage for expensive stereo equipment?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if I drive in a foreign country?
• Are my friends covered when driving my vehicle?
• Is my vehicle covered for flood damage?
• Am I covered when driving in Canada or Mexico?
• Is a new car covered when I drive it off the dealer lot?
• Exactly who is provided coverage by my policy?
• Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.

Even more information can be found at the Arkansas Insurance Department website. Consumers can find out industry alerts, discover disciplinary actions, find a variety of consumer forms, and learn about insurance regulations.

Other informative sites include this resource for Arkansas auto insurance prices and this list of insurance agents in Rogers.

Final considerations

We just presented many ideas to shop for auto insurance online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even discover the biggest savings come from the least-expected company.

People switch companies for a variety of reasons including policy cancellation, high rates after DUI convictions, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

Cheap auto insurance is available online and also from your neighborhood Rogers agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.