Shop the Best Deals on Hot Springs Car Insurance

Independent insurance agents are able to provide you with insurance quotes from multiple different carriers so if you are comparison shopping, make sure to include an independent agent in your list. You may have found your car insurance rates have increased due to an accident, a claim, a teen driver who just got their license, or some other event.

It only takes about five minutes to get multiple estimates from different companies in your area.

The More You Quote, The More You Can Save

Arkansas car insurance rates change regularly, and the Hot Springs rates you paid last year might look quite cheap compared to this year. Out of the more than 1,998,000 people driving in Arkansas, many of those consumers have saved money on car insurance.

Entering the same quote information can be repetitive and take time, so our site gives you multiple comparisons with only one quick quote form. Car insurance rates don't always go up, and in fact they do decrease occassionally.

Compare Hot Springs Auto Insurance Rates

The internet makes it very easy to buy auto insurance online, and by comparing quotes from different Arkansas insurers you can make sure you're not paying too much. Arkansas ranks 36 out of 50 states in what drivers pay for car insurance. Comprehensive averages about $154 and collision coverage is around $279.

Even though Little Rock may have the most people in Arkansas, that doesn't mean car insurance rates will be higher or lower where you live.

Low Income and Liability Only Quotes

Your 'dec' page or declarations page of your auto insurance policy outlines your current coverages and shows you the coverages you need to compare Hot Springs insurance rates.

If you can use the internet and read your policy declarations page, you can easily compare rates of other companies. People who buy insurance online are more likely to find lower rates because they can compare more rates more quickly.

The rate your pay for insurance can vary widely subject to many criteria. Including but not limited to:

  • Higher performance vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Extra coverages like towing and rental
  • Your claim history
  • Maintaining coverage lowers rates
  • Whether you own your home

Liability rates on average cost approximately $372 of your insurance premium, which when compared to the physical damage coverages of comprehensive and collision, is quite affordable. The key thing to remember is to make sure your car insurance quotes compare the same insurance limits for liability and physical damage coverage.

Tips for Saving Money on Arkansas Car Insurance

  • Arkansas drivers can save significantly by purchasing their home (or renters) insurance and car insurance from the same company
  • Taking a qualifying safe driver or defensive driving course can save you money
  • If your vehicle is garaged in a different location that your home address, you may pay a lower rate for a different rating zone
  • Insurance companies reward policy holders who stay with their company for a longer period of time by giving a small discount
  • Filing excessive claims will not only raise your rates, but may also force your policy to be cancelled by your insurance company
  • If you get a speeding ticket, check to see if you can keep the ticket from your driving record by taking an approved Arkansas driving class
  • Hot Springs car insurance rate comparisons should be made every year. This helps you place your coverage with the lowest cost car insurance company.
  • Make sure your policy has the correct mileage and usage rating on your vehicles
  • Compare Hot Springs car insurance rates and see if you're spending too much on car insurance!

Online car insurance rates for Hot Springs can be significantly different than what you may get from an agent, so it's important to get quotes from both to make a fair comparison. Each insurance company has their own set of rating criteria, so the rates from one insurer may be significantly different from another.

If you could save 40% or more on your car insurance, wouldn't that be time well spent? Click to start a quote!

Free Quotes
Compare Other Arkansas Rates
Most Stolen Cars in Arkansas
  • 1993 Form Explorer
  • 1996 Oldsmobile Cutlass
  • 2004 Dodge Ram Pickup
  • 1994 Chevrolet Extended Cab 4x2 Pickup
  • 1988 Chevrolet 4x2 Pickup
  • 2000 Honda Accord
  • 1996 Oldsmobile Cutlass
  • 1999 Ford F150 Pickup
  • 1986 Chevrolet Caprice
  • 1998 Jeep Cherokee/Grand Cherokee