People in Mena and Waldron, AR are always looking for ways to save some money. It might surprise the people of Arkansas to know that auto insurance rates in the state are some of the lowest in the United States. Allen Kerr, Arkansas Insurance Commissioner, announced these findings of the National Association of Insurance Commissioners in January of 2018.

The Owens Agency, LLC has played its part in keeping rates for auto insurance low in Arkansas. We feel one of our most important assets is tapping the wealth of agents with local experience.

The laws of Arkansas demand that certain minimums for bodily injury and property damage are maintained for any vehicle. These are three ways you can lower your auto insurance premiums and stay legal.

Let an Agency Shop for You

Do not shop for a better deal on your own. The easiest way to find a lower insurance premium is to deal with an agency that represents a number of the top firms in the country. You can get an immediate comparison of rates for the same coverage. This helps to make a decision simple and fast.

Higher deductible

Selecting a higher deductible has a dramatic impact on your premium. This method of premium reduction does not work for all people. Some very expensive cars are not suitable for this method. Younger drivers are not allowed to use a lower deductible due to a higher frequency of accidents.

Drive safely

Your premium will decrease if you drive without an accident. The longer that you drive accident free, the more your premium will go down. Your auto insurance premium will never get to zero. Safe driving does pay in reduced rates. The insurance company would instead give you a break on your premium than pay for an accident because the premium cut costs less.

The Owens Agency, LLC in Waldron, AR is more than happy to find a way to help you lower your auto insurance premiums. Call us at 479-637-2207 to discuss options that can reduce your premiums.