Otter, AR Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Otter, 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 Determine the Car Insurance Rates in Otter, AR
Auto insurance quotes aren’t just about price. Car insurance providers deeply analyze the driving pattern of the car owner before deciding the auto insurance rates. The average cost of car insurance in Otter, AR, is $1,546. The amount is a bit higher when compared to neighboring cities like Hurricane and Alexander. Zimlon, through its deep analysis, has discovered a few alternatives which can help you get a discount on Otter insurance, AR.
Further information on discounts offered by car insurance providers is given below in detail.
a. Multi-Car Discounts
Car drivers in Otter can avail of bumper discounts by insuring multiple cars from the same insurance provider. The policyholder can save a few dollars here by insuring more than one vehicle with the same provider.
In Otter, car owners opting for two-vehicle or three-vehicle multi-car insurance have to spend $2,628 and $3,942, respectively, on otter auto insurance. Here they can save up to $464 to $696 on two and three-vehicle policies.
Refer to the chart below to understand the auto insurance cost based on the number of cars.
b. Anti-Theft Discounts
Drivers who have anti-theft features in their car can avail this discount. Insurance providers offer discounts because it reduces the risk of vehicle theft. Hence, insurance providers offer a lower premium for a vehicle with anti-theft features such as an audible alarm, tracking, or passive disabling device.
In Otter, AR, cars with audible alarms and active disabling devices pay $1,484 and $1,484 on Otter insurance. In contrast, cars with tracking devices and passive disabling devices pay $1,453 and $1,438, respectively, for car insurance in Otter, AR.
c. Good Driving Discounts
Good drivers can reduce their car insurance rates in Otter. Licensed drivers with no at-fault accidents or traffic offenses are eligible for this discount. The car insurance rates tend to go up for drivers who broke the traffic rules and regulations and have tickets displaying driving violations.
For instance, driving with an expired registration can increase the cost of insurance by $159. In contrast, a driver with a ticket for running a red light or driving with an expired license has to spend $1,906 and $2,588, respectively, on car insurance rates in Otter, AR.
Factors that can influence the cost of car insurance in Otter, 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.
- Otter, AR Auto Insurance Rates
- Otter, AR Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Otter, AR
- Multi Vehicle Insurance Savings in Otter, AR
- How Credit Score Affects Car Insurance Rates in Otter, AR
- How DUI Affects Auto Insurance Premiums in Otter, AR
- Top Auto Insurance Agents Near Otter, AR
- How Driving Violations Affect Auto Insurance Rates in Otter, AR
- Otter, AR Auto Insurance Discounts on Anti Theft Feature
Otter, AR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Otter, AR with that of other cities in and around Otter.
|Average Insurance Rates||$1,546||$1,562||$1,509||$1,627||$1,498||$1,601|
Otter, 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 Otter, 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)|
Otter, AR Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Otter, 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|
Otter, AR Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Otter, 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:$464
Savings on 3 Vehicles bundle:$696
Savings on 4 Vehicles bundle:$928
Otter, 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 Otter, AR.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Otter, 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|
Otter, 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|
|Dennia Beard||State Farm||1408 Military Rd, Benton, 72015-2913||501-778-6066|
|Whitney Owens||State Farm||7700 Baseline Rd Ste 1000, Little Rock, 72209-4469||501-568-5516|
|Keith Brooks||State Farm||413 Hwy 5 N, Benton, 72019-9778||501-778-7243|
|Alvin Smith||State Farm||1 Stagecoach Vlg Ste 7, Little Rock, 72210-4751||501-455-4555|
|Steven Phillips||Farmers||10515 W Markham St Ste J3, Little Rock, 72205||(501) 565-0992|
|Lonnie Cagle||Allstate||10912 Col Glenn Rd Ste 4500, Little Rock, 72204||(501) 224-2224|
|Tommy Hagan||State Farm||8120 Flintridge Road, Little Rock, 72210-4026||501-562-8994|
|Joe Justus Insurance Agency Llc||Travelers||1501 N UNIVERSITY AVE STE 209, LITTLE ROCK, 72207||501-227-4050|
|Gann Agency Inc||Travelers||2615 N PRICKETT DR STE 2, BRYANT, 72022||501-653-0039|
|Don Fitz||State Farm||9712 Interstate 30 Ste 1, Little Rock, 72209-3300||501-568-3222|
Otter, 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||+$68||$1,614|
|Driver's Failure In Showing Documents||+$150||$1,696|
|Driving With An Expired Registration||+$159||$1,705|
|Driving At A Considerably Slow Pace||+$335||$1,881|
|Using A Cellphone While Driving||+$354||$1,900|
|Running A Red Light||+$360||$1,906|
|Driving A Vehicle Without The Required Permission||+$481||$2,027|
|Driving With An Expired/Suspended License||+$1,042||$2,588|
Otter, 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||$1,484|
|Passive Disabling Device||$1,438|