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Arkansas is one of several states that is deadly serious that each and every registered vehicle in the state must be insured before it operates on any public roadway. For more than 10 years Arkansas has had a data base tied directly to every car insurance company operating in the state. If a driver cancels an insurance policy, or a policy lapses because premiums have not been paid, the state is automatically notified and that car's registration is immediately suspended.
It is impossible to register a car in Arkansas without first having car insurance.
And car insurance in Arkansas isn’t cheap. However, being caught driving without insurance is even more costly. Therefore most drivers want to know how they can save money and get discount car insurance in Arkansas.
The first thing you need to do is to keep your driving record clean. In other words, drive safely and legally at all times. Speeding tickets and other moving violations will cause your car insurance rates to steadily increase.
And if you want to see a dramatic jump in your insurance rates have a conviction on your record for DUI (Driving Under the Influence) or for DWI (Driving While Intoxicated). Such convictions will keep your car insurance premiums sky-high for up to 5 years.
If you’re under 25 you can keep you premiums lower by staying in school and maintaining at least a “B” grade point average. This will qualify you for a Good Student Discount.
Are you an older driver? 55 or older? If so, check with your insurance company and see if they offer a special driver’s refresher course. Passing such a course can save you a substantial amount on your monthly premium.
Do you drive an older car, especially one with little or no Kelly Blue Book value? If so you may want to cancel any collision or comprehensive coverage you might have since your insurance company probably won’t pay much – if anything – if your car is damaged in an accident even if you do pay for such insurance.
Buying a new car? Check with your car insurance agent first. Not all cars are created equal when it comes to paying insurance premiums on them. See how much it’s going to cost you each month if you buy that muscle car or that super-expensive model.
Probably the most dramatic thing you can do to save money on your car insurance is to increase your deductible. By increasing the amount of money you are willing to spend to repair your car in case of a claim you decrease the amount that the insurance company must pay – therefore the insurance company rewards you by lowering your monthly payment.
Now that you understand the major points that can keep your car insurance rates their lowest it’s time for you to get online and check out at least 3 different websites that let you compare auto policies and prices head-to-head between different insurance companies.
It’s tempting to just get a quote from only one site, but no site compares all the different insurance companies in Arkansas. Every site compares a different set of companies, so if you make comparisons on at least 3 different sites then you are more likely to really and truly save money and get discount car insurance here in Arkansas.