It’s the law. If you drive a vehicle on any public road in the state of Arkansas you must have car insurance. In fact, the state of Arkansas has a computer data base that is instantly notified any time an insurance policy is cancelled or lapses because of non-payment of premiums. And if the vehicle that has lost its insurance is not reinsured immediately then the state has the right to cancel that vehicle’s registration, making it illegal to drive that vehicle.
The answer, for many, is to compare low cost automobile insurance and find a policy that is more affordable. The good news is that it is possible to reduce the cost of most automobile insurance to the point where it is affordable for most people.
To begin with you need to keep your driving record clean. No speeding tickets or tickets for other moving violations. Any such tickets and your insurance premiums will go sky high and remain there for quite some time.
Any DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) convictions and you can forget about finding affordable automobile insurance for at least three years and possibly longer.
If you only drive a few miles each week, such as to the grocery store and back and you do very little other driving, check with your insurance agent as you may qualify for reduced premium payments under a Low Mileage Discount.
If you can keep your car in a garage at night you can get a discount on your monthly premium.
If you’re under 25 and in school with at least a 3.0 grade point average you can qualify for a Good Student Discount.
If you’re 55 or older you may be eligible to take a special driver’s refresher course. Passing such a course could entitle you to at least a 10% discount on your monthly insurance premiums. Check with your agent to see if your automobile insurance company offers such a program.
If you drive an older car, especially if you drive a car with very little or no Kelly Blue Book value, you can save money on your car insurance by dropping your collision and comprehensive coverage.
If you’re considering the purchase of a new car talk to your automobile insurance agent first. Some new cars cost a lot more to insure than others. It would be a shame to buy something and then realize after it was too late that you can’t afford to insure it.
If possible, increase your deductible. Increasing the amount you can afford to pay if you have a claim will reduce your monthly premiums.
O.K., you’ve looked at all of your alternatives, you’ve created a policy that you can live with – now it’s time to go online and find at least 3 different websites that permit you to make instant side-by-side price comparisons of automobile policies from a number of different companies.
The reason you need to take the extra time and fill out the form on at least 3 different websites is because no one site compares all of the different automobile insurance companies which write policies in Arkansas. But by comparing on 3 different sites you can feel confident that you will compare low cost automobile insurance from virtually every insurance company in Arkansas and you can then choose the very best policy at the rock-bottom lowest price possible.