best car insurance rates

As is true with the vast majority of states, Arkansas is adamant that you purchase car insurance before driving on any public roadway within the state. Failure to purchase car insurance can result in severe penalties, including loss of your driving privilege for quite some time. Also, driving without insurance puts you at terrible risk in the event of an accident and could result in the garnishment of your wages and even the loss of your home under some circumstances.

Therefore it is important that you get the best rates on car insurance in Arkansas while also getting the best insurance coverage that you can possibly afford.

How do you do that? Well, let's start the process by going over a few of the things you can do to get only the insurance that you need and that you can get it at the best price available, and then we will get online and compare the different rates for our dream policy among the various car insurance companies operating in Arkansas until we find the very best deal possible.

We'll start with you and your driving habits. The way you drive can affect how much you pay for insurance in a big way. Do you speed? Do you drive recklessly? Speeding tickets and, indeed, any moving violations will drive up the cost of your car insurance.

A conviction for a DUI (Driving Under the Influence) or a conviction for DWI (Driving While Intoxicated) are guaranteed to skyrocket your car insurance rates for several years.

If you drive only a few miles per week, say to the grocery store and maybe an occasional trip to the doctor or to visit a friend, ask your agent about a Low Mileage Discount. Such discounts can save you a bundle.

Are you in school? If you're under 25 your insurance rates are probably pretty high to begin with. But if you stay in school and maintain at least a 3.0 grade point average you can save anywhere from 5% to as much as 15% with a Good Student Discount.

Are you over 55? If so you should talk to your insurance agent about taking a special driver's re-education course. Not all insurance companies offer such a course, but if your company does, and you pass the course, you can save about 10% a month on your car insurance.

Do you drive an older car or a beat-up car with little or no Kelly Blue Book value? If so you are pretty much throwing your money down the toilet if you are paying for collision or comprehensive coverage since your insurance company isn't going to pay you more than Blue Book value for your vehicle in case of an accident regardless of whether you are paying for collision and comprehensive insurance or not. Drop the coverage.

Your deductible is probably the biggest potential source of savings on your car insurance. Your deductible represents the amount of money you will pay to repair your vehicle in the event of a claim. The more you are willing to pay, and the less your insurance company has to pay, then the less your insurance company is going to charge you in monthly premiums.

All right. Now you've created the best policy you possibly can, let's get online and find the best price for that policy. There are literally dozens of Internet sites that allow you to compare prices among different insurance. A mistake many people make is in thinking that every site compares all of the different insurance companies operating in the state of Arkansas.

That simply isn't true. Each site compares only a handful of companies. If you want to really compare all of the companies out there you'll have to fill out the forms on at least 3 different sites and find the cheapest rate on each site. Once you have done that then you can feel confident that you have gotten the best rate on car insurance in Arkansas.

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best car insurance rates