Before a car can get a registration certificate in Arkansas, every driver in the state has to buy car insurance. In Arkansas, the fines for driving without insurance are so high that it's just not worth the risk.
So, it's up to each and every driver in Arkansas to save money and get cheaper car insurance in any way they can.
There are a number of things you can do to help keep your insurance rates as low as possible.
First, there's the car you're in. When it comes to paying for car insurance, not all cars are the same. Some cars cost a lot more to insure than others. Talk to your car insurance agent to help you find the right car for you and one that you can afford to insure every month.
Second, make sure your driving record is spotless. This means you can't get a ticket for speeding or any other moving violation, and you can't be convicted of DUI or DWI (Driving While Intoxicated).
If you are under 25, stay in school and work hard to keep your grades up. Most young drivers can get a big discount on their car insurance if they have a grade point average of at least "B."
Those 55 and older who drive can also save money on their insurance by taking a special refresher course. Not all car insurance companies offer this programme, so check with your agent to see if you qualify.
Find out how much the Kelly Blue Book says your car is worth. Most of the time, if you wreck your car or it gets stolen, your insurance company won't pay you more than the Kelly Blue Book value. 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 money and cancel your collision and comprehensive coverage. If your car is damaged or totaled, your insurance company will not pay you anything, even if you pay for the extra coverage.
Make your deductible higher. This means that if you need to make a claim, you will be putting more of your own money at risk. Think carefully about how much you can afford to pay for car repairs if you need to. The better your monthly car insurance premium is, the more you can pay and the less your insurance company has to pay out.
Now it's time to go online and see what kind of deals you can find on some of the websites that make it easy to compare policies, companies, and prices side by side.
Don't think that checking just one site will give you all the information you need, because it won't. No site compares all auto insurance companies that do business in Arkansas. You need to compare on at least 3 different sites before you can be sure you're seeing comparisons of all possible insurance companies.
Now it's time to choose the best policy at the best price, and you can rest easy knowing you've done everything you can to save money and get Arkansas car insurance discounts.
