Instead, letâ€™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. 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 driverâ€™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.
Donâ€™t insure worthless cars. Check the Kelly Blue Book to see if your car still has any value. If it doesnâ€™t then thereâ€™s really no point in paying for collision or comprehensive coverage since the most your insurance company will give you for your car is the Kelly Blue Book val. Youâ€™ve taken the steps you can toward lowering your car insurance bill so itâ€™s time to get online and see what you can find when running comparisons between different car insurance companies. Pick 3 comparison websites and fill out the forms on all three. In this way you will be certain to get comparisons on all of the car insurance companies in Arkansas.