Fort Smith, AR Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Fort Smith, AR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
How to Save on Car Insurance in Fort Smith, AR?
The average cost of auto insurance in Fort Smith, AR, is $1,129. This is lower than in most neighboring places such as Van Buren, Upper, Barling, Lon Norris, and Mont Sandals. Residents of Fort Smith should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Fort Smith.
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Fort Smith, AR, post-DUI, increases to $1,874. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Fort Smith. Other violations that can have a long-term impact on auto insurance in Fort Smith include driving with an expired license and running a red light.
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Fort Smith, AR. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Fort Smith’s yearly premium on a low deductible($500) is $2,789. It decreases to $2,356 when the deductible is higher ($1,000).
In Fort Smith, AR, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Fort Smith, AR, is $1,987, while it would cost $3,974 for four vehicles. The savings on multi-car insurance in Fort Smith also depends on the make and model of the car.
Factors that can influence the cost of car insurance in Fort Smith, AR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Fort Smith, AR Auto Insurance Rates
- Fort Smith, AR Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Fort Smith, AR
- Multi Vehicle Insurance Savings in Fort Smith, AR
- How Credit Score Affects Car Insurance Rates in Fort Smith, AR
- How DUI Affects Auto Insurance Premiums in Fort Smith, AR
- Top Auto Insurance Agents Near Fort Smith, AR
- How Driving Violations Affect Auto Insurance Rates in Fort Smith, AR
- Fort Smith, AR Auto Insurance Discounts on Anti Theft Feature
- Fort Smith, AR Auto Insurance Company Reviews
Fort Smith, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Fort Smith, AR with that of other cities in and around Fort Smith.
|Fort Smith||Van Buren||Upper||Barling||Lon Norris||Mont Sandels|
|Average Insurance Rates||$1,129||$1,540||$1,530||$1,523||$1,610||$1,523|
Fort Smith, AR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Fort Smith, AR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Fort Smith, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Fort Smith, AR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Fort Smith, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Fort Smith, AR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$271
Savings on 3 Vehicles bundle:$406
Savings on 4 Vehicles bundle:$542
Fort Smith, AR Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Fort Smith, AR.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Fort Smith, AR Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Fort Smith, AR Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Craig Gigerich||State Farm||725 N Greenwood Ave, Fort Smith, 72901-3127||479-434-4844|
|Arvid Bean||State Farm||3620 S 91st St, Fort Smith, 72903-5610||479-452-1919|
|Van Basham||Farmers||701 Fayetteville Rd, Van Buren, 72956||(479) 474-1986|
|Van Basham||Farmers||701 Fayetteville Rd, Van Buren, 72956||(479) 474-1986|
|Jmr/Pfp Ins||Liberty Mutual Independent||1120 Garrison Ave., Fort Smith, 72901||(479) 201-8700|
|Timothy Morrison||Allstate||2711 Oak Ln Ste 1, Van Buren, 72956||(479) 474-7028|
|Davis Insurance Agency Inc||Travelers||416 E PRIDEMORE, LINCOLN, 72744||479-824-3181|
|Arthur J Gallagher Risk Management Svcs Inc||Travelers||400 ROGERS AVE, FORT SMITH, 72901||479-649-0033|
|Larry Greenwood||Nationwide||95 Southwinds Rd STE 1, Farmington, 72730||(479) 267-4219|
|Darrin Taylor||Allstate||188 W Main St Ste 3, Farmington, 72730||(479) 267-5700|
Fort Smith, AR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$50||$1,179|
|Driver's Failure In Showing Documents||+$110||$1,239|
|Driving With An Expired Registration||+$116||$1,245|
|Driving At A Considerably Slow Pace||+$245||$1,374|
|Using A Cellphone While Driving||+$259||$1,388|
|Running A Red Light||+$263||$1,392|
|Driving A Vehicle Without The Required Permission||+$351||$1,480|
|Driving With An Expired/Suspended License||+$761||$1,890|
Fort Smith, AR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,084|
|Passive Disabling Device||$1,050|
Latest Auto Insurance Reviews in Fort Smith, AR | Back to Top
Sometimes they seem a little worse than the other insurers in the area, but because I am familiar with the company and generally they have good rates I wouldn't switch.
The customer service is awesome and the dependability is great and it gives me peace of mind. Anytime I have needed assistance or had a question it was resolved immediately.
The company's customer service at State Farm was mediocre. I had some issues before and they were eventually resolved when they got around to it.
My policy is similar to other companies. It is no worse or better. It is right on average with everyone else.
I like the National General customer service because I work with one agent from start to finish. I have his direct number and if he is unavailable he calls me back at his earliest convenience.
Progressive gives a full coverage at a good rate less than $200.00 monthly. It covers car rental, body injury,both vehicles. Great customer service.
My insurance company provides everything the other companies provide. They provide the highest level of protection allowed for liability, uninsured motorist, etc. They provide rental coverage and towing coverage. They also provide a wide range of deductible options. In addition, they have accident forgiveness and your deductible goes down the more time goes by without an accident.
I really like that I can pay my bill online with ease. I've never had an issue with my billing so I've never really had to talk to customer service.