Don’t drive without car insurance if you live in the state of Arkansas! The state of Arkansas has a special data base that keeps track of every single registered vehicle in the state and makes certain that every single registered car has insurance. The moment you cancel an insurance policy or your policy is dropped because you have failed to pay premiums, the state is instantly notified and if new insurance is not added to that vehicle instantly, the state has the right to cancel your car’s registration.
The question for thousands of drivers is then, “How do I get cheap car insurance online in Arkansas?” Arkansas is serious about requiring all drivers to carry auto insurance.
There is no shortage of websites that allow you to compare rates and policies among various auto insurance providers in Arkansas. But if you really want to get the best possible deal that you can, then you need to spend just a few minutes making certain that you are answering all of the questions correctly before you jump online.
Maintain a spotless driving record, for instance. No moving violations of any kind, including speeding and reckless driving. If you receive a DUI or DWI conviction, you can say goodbye to the lowest car insurance rates for at least three years, and possibly even longer.
If you’re under 25 your rates are going to be high unless you can sign on under your parent’s policy or you stay in school and maintain at least a “B” grade point average so you can qualify for a Good Student Discount.
Ask your agent if your insurance provider offers a driver’s refresher course if you are over 55. You can save about 10% a month on your car insurance premiums if your auto insurance provider offers such a course and you pass it.
Ask your auto insurance agent how much the monthly insurance premiums for that brand-new, chrome-encrusted machine will cost you before you make the purchase if you’re considering it. Remember, some new cars cost a lot more to insurance than others; check it out ahead of time to avoid any unpleasant surprises.
If you drive an older car, especially one that has no real Kelly Blue Book value, then you are basically wasting your money if you purchase collision or comprehensive insurance. The reason for this is that your insurance company will only give you the Kelly Blue Book value for your vehicle if it is damaged and if your vehicle has no Kelly Blue Book value then you won’t collect anything anyway in the event of an accident, regardless of how much you are paying for your collision or comprehensive. Spend less and save more.
Be honest with yourself and decide how much you can realistically afford to pay for the repair of your own vehicle in the event of a claim. Your insurance company will charge you less per month for your auto insurance the more you can pay out of your own pocket, or the higher your deductible.
O. K. Now you know what you need to do to lower your monthly car insurance premium, so now it’s time to get online and compare policies and prices so that you can get the cheapest car insurance online in Arkansas.
But don’t think you can get by with just looking at comparisons on one website. Only a few insurance providers are compared on each website. If you really and truly want to make sure that you are getting the very best deal possible on your car insurance, then you really need to bite the bullet and take the extra time to make the same comparisons on at least 3 different websites.
Once you’ve compared prices across a number of websites, you can choose the best deal and be certain that you’ve found the cheapest car insurance in Arkansas online.
