Tips to Lower Your Car Insurance Payments

Keep Payments Low While Getting Quality Auto Insurance

Auto insurance is one of those things you’d rather not think about until you need it, which means you’d most likely prefer to just sit tight and let payments come out of your account.

In Arkansas, every driver is required to have an insurance policy that covers up to $25,000 in bodily harm per person, up to $50,000 in bodily injuries per accident, and up to $25,000 in property damage per accident.

We all want the best car insurance policy that we can get, so it pays to drive carefully and defensively as well as make intentional decisions about your coverage.

Here are some ways to keep your car insurance low:

  1. Maintain a High Credit Score

    Keep your credit score high. This can affect your auto insurance premium, since research shows a correlation between high credit scores and fewer claims.

  2. Drive Carefully

    Drive carefully to avoid tickets and at-fault accidents. You can also get a discount on your premiums by taking an approved defensive driving course.

  3. Keep Your Insurance Current

    Companies like Farm Bureau Insurance offer our policyholders a discount for staying insured with no lapses in coverage.

  4. Drive a Used Car

    Drive an older, cheaper car. The newer and more valuable your car, the more it’s going to cost to insure. If you can find a 10-year-old used car with low mileage, you’re going to pay less to insure it than a two-year-old version of that same car—even if it’s the same make, with the same mileage.

  5. Get Insured with Farm Bureau Insurance

    Get your auto insurance with Farm Bureau Insurance, a company that has reliably provided auto insurance in Arkansas for over 65 years. You want excellent service, which includes making sure you don’t have to check for hidden fees or mistakes on your statements as well as someone who will be there for you if you have an accident and need to file a claim.

  6. Use Our Companion Policy Discount

    Take advantage of our Companion Policy Discount which lowers the cost of both your auto insurance and your homeowners insurance when you maintain both policies through Farm Bureau Insurance.

  7. Ask Your Agent

    Ask your Farm Bureau Insurance agent about discounts that may specifically apply to you.

    Sometimes if you park your car in a garage rather than on the street, if you have low annual mileage, or if you’ve had a great driving record for many years, your agent may be able to find you a discount. If you want to add another insurance policy, for a home, boat, or other vehicle, you may also be eligible for lower rates.

    Ready to find out how much you can save? Get a free quote by contacting your nearest Farm Bureau Insurance agent.