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Friday, 29 June 2012

Cheap Auto Insurance in Arkansas

You must have automobile insurance if you want to drive on any public roadway in Arkansas. It's the law and Arkansas is very strict about enforcing that law. In fact, if your car does not have insurance, or if your insurance premiums are not paid and your policy coverage lapses, your insurance company notifies the state of Arkansas immediately and your car's registration can be canceled. The penalties for driving without insurance are too severe to risk.

So that means that if you want to drive you really need to find a way to get affordable automobile insurance in Arkansas. Fortunately there are several easy steps you can take to help you on your way.

The first thing you need to do is to understand that driving is not a right, it is a privilege, and that driving safely and legally is everyone's responsibility. And doing so can save you a ton of cash.

A speeding ticket or a ticket for any moving violation can increase your automobile insurance premiums for several years. A conviction for DUI (Driving Under the Influence) or a conviction for DWI (Driving While Intoxicated) can sky-rocket your insurance premiums for a minimum of 3 years. A second conviction for either offense and your insurance premiums are nearly unreachable.

Older drivers can benefit from a special driver's refresher course. If you are 55 or older ask your insurance agent if your automobile insurance company has such a program. Passing it can save you a good deal on your premium each month.

Younger drivers, those under 25 should stay in school and strive for at least a 3.0 grade point average. Such students can qualify for a Good Student Discount on their automobile insurance.

Make sure you don't have any unused vehicles on your policy. Every year people collectively waste millions of dollars insuring vehicles that are never driven.

Insurance companies seldom pay out more than the Kelly Blue Book value on a vehicle, so if you own a car or truck that has little or no Kelly Blue Book value you are wasting your money paying for collision or comprehensive insurance on that vehicle since your insurance company won't pay you anything regardless of how much you are paying in extra (wasted) insurance premiums.

Consider carefully how much you could afford to pay to repair your own car if you had a claim. The more you can afford to pay - in other words the higher your policy deductible - then the less you will have to pay each month for your automobile insurance.

Now it's time to go online and find at least three different websites on which you can quickly compare different automobile insurance policies from different insurance companies. Since none of the sites allow you to compare every single insurance company in Arkansas you'll need to take the extra time to make your comparisons on at least 3 different sites before you can feel confident that you have found the most affordable policy in Arkansas.

It's a little extra work to make the multiple comparisons, but the result is that you'll know without any doubt that you have gotten the most affordable automobile insurance in the state of Arkansas. You can visit www.ezquoteguide.com, recommended sites for low rate auto insurance in Arkansas.

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