Whatever you do, do not drive in the state of Arkansas without car insurance. If you are caught the penalties are so severe that you might not be able to afford to drive again for up to three years.

Instead, let’s look for ways to reduce your car insurance premium to the point that you can actually afford to pay it and you can drive the roads of Arkansas without having to worry every time you see a police car.

Let’s start with you. It’s up to you to drive safely and to obey all traffic laws all the time. If you get a traffic ticket or a speeding ticket or if you are convicted of Driving Under the Influence (DUI) or convicted of Driving While Intoxicated (DWI) you can kiss those lows insurance rates good-bye for three years – or even longer.

Don’t drive a fancy muscle car or a fast sports car. It might make you feel good to drive the biggest, fanciest, most expensive car on the block – that is until it’s time for you to pay your car insurance month after month after month.

Drivers who are under 25 should stay in school and get good grades. If you can maintain at least a 3.0 grade point average you can qualify for a Good Student Discount that can save you anywhere from 5 to 15% on your insurance month in and month out.

Older drivers should check with their insurance agent about the possibility of taking a special driver’s refresher course. Not all insurance companies offer this course, but if you qualify for the course and you pass it, the savings on your premium each month can be substantial.

Don’t insure worthless cars. Check the Kelly Blue Book to see if your car still has any value. If it doesn’t then there’s really no point in paying for collision or comprehensive coverage since the most your insurance company will give you for your car is the Kelly Blue Book value.

Now sit down and go over your finances very carefully. What you have to determine now is how much you can afford to pay for the repair of your own car if you should have a claim. The more you are willing to pay – in other words, the higher your insurance deductible – then the less your insurance company will charge you each month in premiums.

O.K. Now you’ve taken the steps you can toward lowering your car insurance bill so it’s time to get online and see what you can find when running comparisons between different car insurance companies. Pick 3 comparison websites and fill out the forms on all three. In this way you will be certain to get comparisons on all of the car insurance companies in Arkansas.

That’s how you get affordable car insurance in Arkansas. All that’s left now is for you to pick the policy that right for you at the very best price you will find anywhere.