How to Get Affordable Car Insurance in Arkansas

November 21st, 2022 by admin Leave a reply »

Whatever you do, do not drive in the state of Arkansas without car insurance. If you are caught the penalties are so severe that you might not be able to afford to drive again for up to three years.

Instead, let’s look for ways to reduce your car insurance premium to the point that you can actually afford to pay it and you can drive the roads of Arkansas without having to worry every time you see a police car.

Let’s start with you. It’s up to you to drive safely and to obey all traffic laws all the time. If you get a traffic ticket or a speeding ticket or if you are convicted of Driving Under the Influence (DUI) or convicted of Driving While Intoxicated (DWI) you can kiss those lows insurance rates good-bye for three years – or even longer.

Don’t drive a fancy muscle car or a fast sports car. It might make you feel good to drive the biggest, fanciest, most expensive car on the block – that is until it’s time for you to pay your car insurance month after month after month.

Drivers who are under 25 should stay in school and get good grades. If you can maintain at least a 3.0 grade point average you can qualify for a Good Student Discount that can save you anywhere from 5 to 15% on your insurance month in and month out.

Older drivers should check with their insurance agent about the possibility of taking a special driver’s refresher course. Not all insurance companies offer this course, but if you qualify for the course and you pass it, the savings on your premium each month can be substantial.

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