Hot Springs, AR Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hot Springs, 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.
Factors that can influence the cost of car insurance in Hot Springs, 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.
- Hot Springs, AR Auto Insurance Rates
- Hot Springs, AR Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hot Springs, AR
- Multi Vehicle Insurance Savings in Hot Springs, AR
- How Credit Score Affects Car Insurance Rates in Hot Springs, AR
- How DUI Affects Auto Insurance Premiums in Hot Springs, AR
- Top Auto Insurance Agents Near Hot Springs, AR
- How Driving Violations Affect Auto Insurance Rates in Hot Springs, AR
- Hot Springs, AR Auto Insurance Discounts on Anti Theft Feature
- Hot Springs, AR Auto Insurance Company Reviews
Hot Springs, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hot Springs, AR with that of other cities in and around Hot Springs.
| Hot Springs | Garland County | Rockwell | Whittington | Lake Hamilton | Piney | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,297 | $1,239 | $1,647 | $1,520 | $1,635 | $1,519 |
Hot Springs, 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 Hot Springs, 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) |
|---|---|---|
| Hot Springs | $1,468 | $1,240 |
| Lake Hamilton | $1,583 | $1,337 |
| Rockwell | $1,573 | $1,328 |
| Piney | $1,265 | $1,068 |
| Whittington | $1,446 | $1,221 |
| Garland County | $1,785 | $1,508 |
| Mountain Pine | $1,380 | $1,166 |
| De Roche | $1,127 | $952 |
Hot Springs, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hot Springs, 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 | $4,209 |
| 20 Years | $1,666 |
| 30 Years | $1,284 |
| 40 Years | $1,235 |
| 50 Years | $1,144 |
| 60 Years | $1,160 |
| 70 Years | $1,350 |
Hot Springs, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hot Springs, 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 | $2,205 | $389 |
| 3 Vehicles | $3,307 | $584 |
| 4 Vehicles | $4,410 | $778 |
Savings on 2 Vehicles bundle:$389
Savings on 3 Vehicles bundle:$584
Savings on 4 Vehicles bundle:$778
Hot Springs, 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 Hot Springs, AR.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hot Springs | $1,297 | $2,153 |
| Lake Hamilton | $1,635 | $2,714 |
| Rockwell | $1,647 | $2,734 |
| Piney | $1,519 | $2,522 |
| Whittington | $1,520 | $2,523 |
| Garland County | $1,239 | $2,057 |
| Mountain Pine | $1,426 | $2,367 |
| De Roche | $1,520 | $2,523 |
Hot Springs, 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) | $1,113 |
| Excellent (740-799) | $1,270 |
| Good (670-739) | $1,351 |
| Average (580-669) | $1,763 |
| Poor (300-579) | $2,116 |
Hot Springs, 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 |
|---|---|---|---|
| Abi Insurance Agency | Travelers | 911 WEST GRAND AVENUE, HOT SPRINGS, 71913 | 501-624-8888 |
| Kendall Hancock | State Farm | 2836 Malvern Ave Ste B, Hot Springs, 71901-8363 | 501-624-3236 |
| Cynthia Rougeau | State Farm | 1420 Central Avenue, Hot Springs, 71901-6148 | 501-623-5555 |
| Raymond Wright | State Farm | 315 Section Line Rd Ste E, Hot Springs, 71913-6479 | 501-525-9966 |
| Larry Otwell Clu, Chfc | State Farm | 805 West Grand Avenue, Hot Springs, 71913-3528 | 501-321-1165 |
| Alliance Ins Group Of Arkadelphia Inc | Travelers | 307-D CARPENTER DAM RD, HOT SPRINGS, 71901 | 501-623-4451 |
| [ | ' | E, r, c | |
| [ | ' | E, r, c | |
| Eric Parnell | Farmers | 400 N Bowman Rd Ste 29, Little Rock, 72211 | (501) 823-3630 |
Hot Springs, 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 | +$57 | $1,354 |
| Driver's Failure In Showing Documents | +$126 | $1,423 |
| Driving With An Expired Registration | +$134 | $1,431 |
| Driving At A Considerably Slow Pace | +$281 | $1,578 |
| Using A Cellphone While Driving | +$297 | $1,594 |
| Running A Red Light | +$302 | $1,599 |
| Speeding | +$318 | $1,615 |
| Driving A Vehicle Without The Required Permission | +$403 | $1,700 |
| Driving With An Expired/Suspended License | +$874 | $2,171 |
Hot Springs, 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 | $1,245 |
| Active Disabling Device | $1,245 |
| Tracking Device | $1,219 |
| Passive Disabling Device | $1,206 |
Latest Auto Insurance Reviews in Hot Springs, AR | Back to Top
Safeco InsuranceThe coverage between Safeco and State Farm is about the same, maybe a little worse, but the premiums are about $200 less per month.
State FarmI have noticed recently that I could possibly get a better deal elsewhere but I continue to stay because they have been so great to me and it is easy with them.
State Farmwe are satisfied with what our policy is, specially because it is easy to reach out to our agent when we need additional support
AllstateI feel like I wouldn't have to worry about some of the things that I do like not being informed of a break in with other companies. they don't have a game plan and are not ready for everything.
Cincinnati InsuranceTheir policy offerings are easily comparable to others. They seem to have all the same possibility and policy permutations as everyone else.
Auto-Owners InsuranceI dislike being contacted on a monthly basis to hear about new services. I know what I want for insurance and I hate wasting time listening to information about a product I don't need.
State FarmI have appreciated how quick and helpful they are however I am currently pursuing accident forgiveness or I will switch companies