Arkansas requires that every driver in the state purchase automobile insurance before a vehicle can get a registration certificate. The penalties for driving without insurance in Arkansas are extremely high – it is simply not worth the risk.
Therefore it is up to each and every driver in Arkansas to use every means possible to save money and get discount automobile insurance.
Fortunately there are several things you can do that can help to keep your insurance rates their lowest.
First is the vehicle you’re driving. Not all vehicles are created equal when it comes to paying for automobile insurance; some vehicles cost a lot more to insure than others. Talk to your automobile insurance agent to help you find the vehicle that’s right for you and which you can afford to insure month after month.
Secondly, keep your driving record absolutely clean. This means no speeding tickets, no moving violations of any kind, and definitely no convictions for DUI (Driving Under the Influence) or for DWI (Driving While Intoxicated).
If you’re under 25 stay in school and work hard to keep your grades up. A “B” grade point average or better qualifies most young drivers for a hefty Good Student Discount on their automobile insurance.
Older drivers, those 55 and older, can also save on their insurance by taking a special driver’s refresher course. Not all automobile insurance companies offer this program so check with your agent to see if you can qualify.
Find out what the Kelly Blue Book value is on your vehicle. In most cases your insurance company will not pay you more than the Kelly Blue Book value if your car is damaged or totaled in an accident. This means that if your car is so old or in such bad shape that it has little or no Kelly Blue Book value you’d probably be smart to save the money and cancel your collision and comprehensive coverage – if your car is damaged or totaled your insurance company will not pay you anything anyway, even if you pay for the extra insurance.
Increase your deductible. This means you will be putting yourself at greater financial risk in case of a claim, so consider carefully what you can actually afford to pay for repairs to your car if the need arises. The more you can afford to pay and the less your insurance company must fork out, the better it will be on your monthly automobile insurance premium.
So now it’s time for you to get online and see what kind of a deal you can find at several of the websites designed to let you make easy side-by-side comparisons of policies, companies and prices.
Don’t fall into the trap of believing that checking just one site tells you everything you need to know – because it doesn’t. No site compares all automobile insurance companies doing business in Arkansas – you need to make comparisons on at least 3 different websites before you can feel comfortable that you are seeing comparisons of all possible insurance companies.
Now it’s time to pick the best policy at the best price – and to sleep easy knowing that you have done everything possible to save money and get discount automobile insurance in Arkansas.