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Arkansas Discount Auto Insurance - Arkansas Discount Car Insurance

You cannot get discount auto insurance in Arkansas

For one simple reason, It's almost impossible to get to see the local agent and There the only one that can give that coveted discount rate on good quality car insurance. The online sites don't have the discount rate in there system so they can't give it. The local secretaries can't give it only there boss, the local agent can give the discounted rate. 

To compound the problem is the fact that the local agent doesn't have time to talk

Arkansas State Flag
to you about car insurance. They will gladly talk to you about health or life or renters insurance but car insurance no. And the reason is quite simple, auto insurance has become so competitive that there just isn't that much money to be made in auto insurance by the agent. 

They need the auto insurance premiums to pay the bills but the profit and money part of the agency is in other types insurance, that's why they usually have secretaries assigned by alphabet to take car of the auto insurance customers.

So that's why I say you cannot get discount auto insurance in Arkansas...

Unless you force the local agent to give it to you!

That's right you have to force the local agent to give you the discounted rate and here is how you do that.

  1. You put your zip code into the box either above or below and click the get quote button.
  2. This brings you to a page that lists all the local car insurance companies that are willing to give you a better rate.
  3. Chose those you would like to get that reduced quote from. The more you select and fill out the better you are. Remember that the local agent is the one that is getting these requests right to there desk and they don't like to lose to there golfing buddies and will do everything they can to get your business because they know that there buddies are getting the same requests.
  4. Fill out hose quote requests, this might take a little time but in this case time is money and satisfaction for you.
  5. Sit back and relax because the local agents will get back to you soon because they know that most customers receiving these discounted quotes are so surprised by the low rate that often they take the first quote they receive because it so low.
  6. Don't rush into taking the first one, wait till all the quote request are back to you. Go through the quotes you receive and then pick the one you like the best.

 



Just remember to do this same thing every time your auto insurance comes up for renewal because car insurance companies are famous for one thing and that is rewarding there customers with higher rates. Do this every time your auto insurance comes up for renewal and you will always have that Arkansas discount auto insurance.

Knowing how much insurance you need to carry can be puzzling so for your convenience we have put together this chart showing Coverage's offered, what the state of Arkansas requires and what the most common coverage chosen are.

      

Coverage 

 

State Requirements

 

 

Most Common 


Bodily Injury Liability

 

 
25,000/50,000
 
25,000/50,000

 
Property Damage Liability

 

 
25,000
 
25,000


Uninsured Motorist Bodily Injury

 

 
Not Required
 
25,000/50,000

 
Medical Payment

 

 
Not Required
 
5,000

 
Collision

 

 
Not Required
 
500 Deductible

 
Comprehensive

 

 
Not Required
 
100 Deductible

 

If you need information on Arkansas Insurance rules or if you just want to do a comparison shopping for your insurance, Here are some helpful links:

 

Arkansas Insurance Dept

Property And Casualty Dept

Insurance Cost Comparison - Auto

 

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