Fountain Lake Auto Insurance Rates, Quotes, Agents & Reviews in AR

Fountain Lake, AR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Fountain Lake, 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.

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Factors that can influence the cost of car insurance in Fountain Lake, 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.


Fountain Lake, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Fountain Lake, AR with that of other cities in and around Fountain Lake.

Fountain Lake Hot Springs Village Magnet Magnet Cove Marble Whittington
Average Insurance Rates $1,508 $1,656 $1,570 $1,572 $1,734 $1,520

Fountain Lake, 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 Fountain Lake, 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)
Fountain Lake $1,462 $1,235
Hot Springs Village $1,732 $1,463
Marble $1,539 $1,300
Whittington $1,446 $1,221
Lonsdale $2,156 $1,821
Magnet $1,564 $1,321
Hot Springs $1,468 $1,240
Magnet Cove $1,649 $1,393

Fountain Lake, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Fountain Lake, 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
Teens $4,893
20 Years $1,938
30 Years $1,492
40 Years $1,436
50 Years $1,330
60 Years $1,348
70 Years $1,569

Fountain Lake, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Fountain Lake, 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
2 Vehicles $2,624 $392
3 Vehicles $3,936 $588
4 Vehicles $5,248 $784

Savings on 2 Vehicles bundle:$392

Savings on 3 Vehicles bundle:$588

Savings on 4 Vehicles bundle:$784


Fountain Lake, 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 Fountain Lake, AR.

Location Average Insurance Cost Post DUI Insurance Rate
Fountain Lake $1,508 $2,503
Hot Springs Village $1,656 $2,749
Marble $1,734 $2,879
Whittington $1,520 $2,523
Lonsdale $1,520 $2,523
Magnet $1,570 $2,606
Hot Springs $1,297 $2,153
Magnet Cove $1,572 $2,610

Fountain Lake, 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
Exceptional (800-850) $1,294
Excellent (740-799) $1,477
Good (670-739) $1,571
Average (580-669) $2,050
Poor (300-579) $2,460

Fountain Lake, 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
Ike Eisenhauer State Farm 4705 N Highway 7, Hot Springs, 71909-9408 501-984-4100
Ike Eisenhauer State Farm 4705 N Highway 7, Hot Springs Village, 71909 501-984-4100
Dennia Beard State Farm 1408 Military Rd, Benton, 72015-2913 501-778-6066
Shanon Moody Farmers 2901 Park Ave, Hot Springs, 71901 (501) 463-4178
Charles Whitworth Farmers 3715 N Highway 7, Hot Springs, 71909 (501) 321-9900
First Arkansas Insurance Travelers 710 DESOTO BLVD STE G, HOT SPRINGS VILLAGE, 71909 501-922-1800
James Insurance None 1222 Old Hot Spring Hwy, Benton, 72015 None
The Cashion Company Inc Travelers 321 SCOTT ST, LITTLE ROCK, 72201 501-376-0716
The Cashion Company Inc Travelers 321 SCOTT ST, LITTLE ROCK, 72201 501-376-0716
Rc Fason Farmers 1700 Aldersgate Rd, Little Rock, 72205 (501) 228-4944

Fountain Lake, 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 +$66 $1,574
Driver's Failure In Showing Documents +$146 $1,654
Driving With An Expired Registration +$155 $1,663
Driving At A Considerably Slow Pace +$327 $1,835
Using A Cellphone While Driving +$345 $1,853
Running A Red Light +$351 $1,859
Speeding +$369 $1,877
Driving A Vehicle Without The Required Permission +$469 $1,977
Driving With An Expired/Suspended License +$1,016 $2,524

Fountain Lake, 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
Audible Alarm $1,448
Active Disabling Device $1,448
Tracking Device $1,418
Passive Disabling Device $1,402