Best Cheap Car Insurance Quotes for Drivers with a DUI in Arkansas

The vehicle that needs insurance is one of the largest factors when quoting the best coverage for drivers with a DUI. Vehicles with high performance features, poor safety features, or a track record of large liability claims will cost much more to insure than safer models. The data below illustrates insurance prices for some of the more afforable automobiles to insure in Arkansas.

Data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in Arkansas location which can change premium rates substantially.

Data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific location information which can increase or decrease coverage rates greatly.

Premium data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in Arkansas which can lower or raise auto insurance rates substantially.

After getting a DUI, one of the big criteria that influence a rate quote is where you call home in Arkansas. Areas with a lot of weather claims or more people like El Dorado, Texarkana, and Pine Bluff tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from lower rates.

The next table lists the most costly cities in Arkansas for drivers with a DUI to purchase auto insurance in.

Rate quotes are comparative as the garaging address in Arkansas can change auto insurance rates substantially.

Finding dependable, low-cost insurance is not the easiest thing to accomplish, and deciding which insurers offer the cheapest insurance rates for drivers with a DUI will require even more rate comparisons. Policy prices will be quite a bit higher than the average rate in Arkansas, with the higher price attributed to the posibility of more claims that comes with offering coverage after getting a DUI, but competitively-priced coverage should be possible if you thoroughly shop around. Every insurance company uses their own method to determine rates, so let’s begin by taking a look at the overall cheapest insurance companies in Arkansas.

It’s important that readers know that Arkansas insurance rates are calculated based on many things that will increase or decrease the price you have to pay for coverage. Things like getting older, adding a teenager to your policy, or having an accident can cause premium changes resulting in some rates now being less affordable than competitors.

Compare Cheap Insurance Quotes after a DUI

Click Here to Start Your Quote

USAA may have some of the most affordable car insurance rates in Arkansas at around $981 each year. Auto Club, Travelers, Southern Farm Bureau, and State Farm would also be considered some of the lowest-priced Arkansas insurance companies.

In the above rates, if you are a policyholder with State Farm and switched to Auto Club, you could realize an annual savings of upwards of $226. Arkansas drivers with Safeco could save as much as $230 a year, and Columbia Insurance insureds might see rate reductions of $237 a year.

To see how much you can save, click here to get quotes or visit several of the following companies.

Be aware that those premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with a price surcharge for drivers with a DUI. So the insurer that has the cheapest price for you may not even be included in the chart above. That’s why you need to get car insurance quotes using your own driver data and vehicle information.

Liability only or full coverage

Finding the best cheap auto insurance for drivers with a DUI in Arkansas is the goal of most drivers, and one of the quickest ways to find cheaper insurance is to only buy liability coverage. The example below illustrates the comparison of insurance premiums with full coverage and liability only. The rates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2717,1029],[‘Age 30’, 1435,567],[‘Age 40’, 1401,525],[‘Age 50’, 1283,493],[‘Age 60’, 1237,483],[‘Age 70’, 1525,645]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arkansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, full coverage on your policy costs $1,600 per year more than buying just liability insurance. That may make you wonder when is it safe to stop buying full coverage. There is no clear-cut rule of when to stop paying for physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s settlement value is $10,500 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $9,500 after you pay the deductible. If you are paying over $950 a year for your policy with full coverage, then it might be time to buy liability only.

Ratings for Arkansas insurance companies

Ending up with the highest-rated auto insurance company can be a challenge considering how many companies sell coverage in Arkansas. The company ratings in the next section may help you pick which auto insurance companies you want to consider to insure your vehicles. The ratings below only include major nationwide insurance companies, so companies with more of a regional focus are not included in this list.

How to find low-cost auto insurance for drivers with a DUI

Here are some of the recommended money-saving suggestions that can help Arkansas drivers find more affordable coverage.

• Buying home and auto together can help save money
• Higher credit scores may earn you cheaper rates
• Older vehicles may not need full coverage
• Buy a car with high safety ratings
• Claim-free policyholders usually earn a discount
• Increase physical damage deductibles
• Keep rates low by comparing prices once a year

The last idea is notably important, as was stressed in the prior article. Car insurance rates in Arkansas change a lot, so drivers shouldn’t hesitate to buy from a different company if you find a better deal. Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you several hundred dollars every year. It takes less than five minutes to compare rates to find cheaper auto insurance for drivers with a DUI.

Cheap insurance quotes after getting a DUI

You have a lot of ways to quote insurance rates in Arkansas, but the three most common methods are from a captive (or exclusive) agent like Allstate or Liberty Mutual, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways are similar, but insurance shoppers should know the differences in how they function.

Independent insurance agents can place your business with multiple companies and can get policy pricing from every one. They are usually affiliated with several companies and can get prices from more than one company, which may give you a better overall rate comparison. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

Exclusive agents are only able to write with a single insurance company, two popular examples being an Allstate or State Farm agent. These guys and gals cannot provide multiple price quotes, which necessitates shopping around.

Drivers who opt to buy insurance direct do not use an exlusive or independent agent and instead buy direct online or over the phone from a company like Progressive or Esurance. Buying insurance direct is good for people who do not have a complex risk profile and understand what limits they need.

So which of those three methods works best to buy the best cheap auto insurance for drivers with a DUI in Arkansas? It would be premature to say buying from a direct company saves money because there is no agent involved, but that is not always the case. An argument could also be made that going through an independent agent results in the best rates since they can quote with many companies, but that assumption is not true either. In a lot of cases, exclusive agencies have extremely competitive rates that cannot be beaten by either independent or direct companies.

Since insurance companies use so many rating factors, really the best method to buy the cheapest policy is to compare rate quotes from as many companies as possible. Set aside the time to get quotes from all three types in order to be able to find the lowest price. For a list of insurance companies with low rates, click here to view.