The best way to make sure you always get really cheap car insurance, or as cheap as you can get depending on where you live, the type of car you drive, and your car’s safety features, is to start from the very beginning. This means paying close attention to your driving record.

Once you obtain your driver’s license, you will have what is called a driving record. A driving record is sort of like a driver’s report card; however, driving records only record the bad grades. Any driving-related jams you find yourself in over the course of your driving career will be recorded on your driving record in the form of points. The number of points you receive for each traffic violation, infraction, ticket, accident, etc. will depend on the state in which you live because each state has its own driver point system.

Car insurance companies look at a driver’s driving record when considering whether or not to offer the driver a car insurance policy, as well as when determining how expensive or cheap the driver’s car insurance policy will be. Those drivers with stellar driving records are more likely to receive really cheap car insurance quotes than those drivers with several points on their driving records.

By becoming, and remaining, a safe driver from the very beginning, you are increasing your chances of getting a really cheap car insurance quote.

However, if you do develop a blemish on your driving record, you most likely will not be scarred for the rest of your driving life. Most states have systems in which you can lower the points on your driving record. Many states even allow you to choose other options in order to avoid the points altogether, such as taking a defensive driving course. Remember, it is important to take advantage of these point-lowering or point-avoidance options; otherwise, you might find it difficult to get really cheap car insurance.

Don’t drive without car insurance if you live in the state of Arkansas! The state of Arkansas has a special data base that keeps track of every single registered vehicle in the state and makes certain that every single registered car has insurance. The moment you cancel an insurance policy or your policy is dropped because you have failed to pay premiums, the state is instantly notified and if new insurance is not added to that vehicle instantly, the state has the right to cancel your car’s registration.

Arkansas is serious about forcing all drivers to carry car insurance, so the question for thousands of drivers then becomes how do I get cheap car insurance online in Arkansas?

There’s no shortage of websites that will let you compare policies and prices between different car insurance companies here in Arkansas. But if you really want to get the best possible deal that you can, then you need to spend just a few minutes making certain that you are answering all of the questions correctly before you jump online.

For example, make certain that you keep a clean driving record. No speeding tickets…no reckless driving citations…no moving violations of any kind. Any convictions for DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) and you can kiss the best car insurance rates good-bye for at least 3 long years, maybe longer.

If you’re under 25 your rates are going to be high unless you can sign on under your parent’s policy or you stay in school and maintain at least a “B” grade point average so you can qualify for a Good Student Discount.

Over 55? Ask your agent if your insurance company offers a driver’s refresher course. If you car insurance company offers such a course and you pass it, you can save about 10% per month on your car insurance premiums.

Are you thinking of buying a new car? Before you do, ask your car insurance agent exactly how much that shiny new piece of chrome is going to set you back each month in insurance premiums. Remember, some new cars cost a lot more to insurance than others; check it out ahead of time to avoid any unpleasant surprises.

If you drive an older car, especially one that has no real Kelly Blue Book value, then you are basically wasting your money if you purchase collision or comprehensive insurance. The reason for this is that your insurance company will only give you the Kelly Blue Book value for your vehicle if it is damaged and if your vehicle has no Kelly Blue Book value then you won’t collect anything anyway in the event of an accident, regardless of how much you are paying for your collision or comprehensive. Save your money.

What about your deductible? Be honest with yourself and determine how much money you can realistically afford to pay for the repair of your own vehicle if you have a claim. The more you can pay out of your own pocket – in other words, the higher your deductible – then the less your insurance company is going to charge you each month for your car insurance.

O.K. Now you know what you need to do to lower your monthly car insurance premium, so now it’s time to get online and compare policies and prices so that you can get the cheapest car insurance online in Arkansas.

Don’t think, however, that you can get away with only looking at comparisons on one website. Each website only compares a small handful of insurance companies. If you really and truly want to make sure that you are getting the very best deal possible on your car insurance, then you really need to bite the bullet and take the extra time to make the same comparisons on at least 3 different websites.

Once you have made your comparisons on multiple websites then you can pick the best rate and know for certain that you have gotten the cheapest car insurance online in Arkansas that you could possibly find.