Whether you are a teenager who landed her first job as a clerk at the Mall at Turtle Creek or an Arkansas State University sophomore yearning for discounts on auto insurance, you hope to gather up an array of high caliber Jonesboro insurance quotes to mitigate against risks in your life and make sure you are in compliance with the law.
Jonesboro residents are no strangers to risk and tragedy. The school shootings at Westside Middle School in March 1998 rocked the town -- and indeed the entire nation. Many AR citizens to this day remain extremely risk conscious as a result of that horrific calamity. But while it's important to take into account life's risks -- and to plan for them accordingly -- if you get over-protective, you may wind up spending more money than you should for your Jonesboro insurance coverage. Make sure the policies you buy mitigate against real risks you face, statistically. Don't just buy coverage for coverage's sake. This essay can introduce you to cool tactics and strategies to make your hunt for Jonesboro insurance quotes a little less stressful.
Primer on Home and Auto Insurance
Auto Insurance -- Arkansas residents in 2007 paid only $660 (on average) for their coverage, according to the National Association of Insurance Commissioners. For comparison, the average US driver paid $135 more -- $795. Looking at these numbers closer, you will find that AR drivers paid $279 for collision, $154 for comprehensive and just $372 for liability. Your rates may be way higher than $660, however, depending on your driving record, age, demographic, and other factors. So how can you get discounts? Occupational discounts may be available for some employees -- worth 3% to 25% savings. Complete an accredited defensive driver's course, and you can qualify for savings of 10%. Install antilock brakes and daytime running lights, and you will get 5% savings (each). If you don't finance your car or lease it, you can get a vehicle paid off discount of 5%. And this is just scratching the surface of ways you can get your Jonesboro insurance rates under control.
Homeowners Insurance -- Arkansas homeowners paid $672 for HO-3 policies in 2007, according to the NAIC -- $60 less than what the average US homeowner paid. Again, to get these rates down, think strategically about discount opportunities. If you pay off more of your home, or if you belong to a professional association, or if you stay with your insurance company for a long time, you should qualify for discounts. Be proactive. Consult with a debt counselor to get your credit score up. Get your finances in control, and take a more holistic and process-oriented approach to saving money -- as opposed to thinking about slashing rates as a one-time fix.
Assess Jonesboro Insurance Quotes through NetQuote.
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