Who Has the Cheapest Auto Insurance Quotes for a School Permit in Arkansas?

Finding dependable, affordable insurance is not the easiest thing to accomplish, and figuring out which company quotes the most affordable auto insurance rates for a school permit involves even more rate comparisons. Premiums will most likely be quite a bit higher than the average policy in Arkansas attributed to the potential for higher claims associated with offering coverage for a learners permit, but reasonably-priced coverage should be achievable if you thoroughly shop around. Each auto insurer has a unique approach to establish rates, so let’s take a look at the most budget-friendly auto insurance companies in Arkansas.

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USAA offers some of the cheapest car insurance rates in Arkansas at around $991 annually. Auto Club, Travelers, Southern Farm Bureau, and State Farm also rank well as some of the more affordable Arkansas auto insurance companies.

As the example above demonstrates, if you currently have a policy with Travelers and switched to USAA, you could earn yearly savings of in the vicinity of $146. Insureds with Southern Farm Bureau might save as much as $234 a year, and State Farm policyholders might reduce prices by as much as $270 a year.

Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a rate increase for a school permit. So the car insurance company that is best for you may not even be shown in the list above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

Everyone has different tastes in autos, and the style of vehicle that is being insured is a large factor when comparing the cheapest auto insurance for a school permit in Arkansas. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The information below illustrates auto insurance premiums for a handful of the more afforable automobiles to buy coverage for.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific zip code location which can affect auto insurance rates significantly.

Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific garaging location which can alter rates greatly.

Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific Arkansas garaging location which can decrease or increase price quotes greatly.

Auto insurance rates are higher with tickets and accidents

In a perfect world, the best way to receive the cheapest auto insurance premiums for a learners permit is to drive safely and maintain a clean driving record. The illustration below highlights how traffic violations and accidents drive up auto insurance costs for different age groups of insureds. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2087,2539,4421],[‘Age 30’, 1083,1533,3411],[‘Age 40’, 1057,1505,3387],[‘Age 50’, 971,1421,3299],[‘Age 60’, 951,1401,3283],[‘Age 70’, 1121,1569,3451]]);var options = {title: ‘Violations, Accidents, and Arkansas Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of a car insurance policy in Arkansas per year with no accidents or violations is $1,212. Factor in two speeding tickets and the average cost surges to $1,661, an increase of $450 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a school permit jumps again to an average of $3,542. That’s an increase of $2,330, or $194 per month, just for not driving attentively!

Get discounts on Arkansas insurance

<img class="floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-school-permit-ar.jpg" alt="Cheaper Arkansas auto insurance for a learners permit”/>Auto insurance companies that provide the cheapest auto insurance for a school permit in Arkansas may also give you special discounts that could reduce prices by as much as 40% or more if you qualify for them. A few popular companies and their offered discounts can be found below.

• Progressive may have discounts that include multi-policy, online quote discount, continuous coverage, homeowner, and good student.
• Farmers Insurance offers discounts including distant student, teen driver, mature driver, alternative fuel, good student, and multi-car.
• Farm Bureau has discounts for driver training, good student, 55 and retired, safe driver, multi-vehicle, and multi-policy.
• State Farm has savings for good driver, safe vehicle, driver’s education, multiple policy, and anti-theft.
• GEICO may offer discounts for air bags, multi-vehicle, seat belt use, military active duty, and five-year accident-free.
• SAFECO includes discounts for multi-car, teen safety rewards, accident prevention training, safe driver, and homeowner.
• Liberty Mutual may include discounts for safety features, exclusive group savings, new move discount, new graduate, hybrid vehicle, and newly married.

The example below illustrates the difference between insurance prices with and without discounts applied to the premium. The data is based on a female driver, no tickets, no at-fault accidents, Arkansas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, paid-in-full, passive restraint, paperless filing, continuous coverage, and anti-theft discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for a school permit is 28% or $882.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 16’, 6411,4585],[‘Age 30’, 2507,1815],[‘Age 40’, 2327,1685],[‘Age 50’, 2037,1475],[‘Age 60’, 1967,1423]]);var options = {title: ‘Insurance Rate Comparison with Discounts for a School Permit’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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(‘qcibdisc’));chart.draw(data, options);}

Which car insurance company is best?

If you are looking for the best car insurance for a learners permit in Arkansas, the most popular companies are Progressive, Allstate, Geico, and State Farm. When combined, they have almost half of the car insurance market in the United States. All four offer physical damage and liability coverage, but each has unique options and discounts that shoppers can select from. The data below ranks pricing and service ratings, plus some optional coverages shoppers can expect to find with each one.