Auto Leasing Guide
Go to LeaseGuide.com now !

Cheapest Cars to Insure Fort Smith AR

If a particular car make and model is expensive to repair or replace, then collision coverage is more expensive. For example, a Mercedes is relatively expensive to insure because parts and labor are expensive and, in case of destroyed vehicles, expensive to replace.

Allstate Auto Insurance
(888) 355-7971
1302 Main St
Van Buren, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Don Wright Ins Agcy Inc - State Farm Insurance Agent
(479) 649-8001
3600 Old Greenwood Road Ste 4
Fort Smith, AR
 
Richard R. Organ Agency
(479) 783-2801
1309 S 41st St
Fort Smith, AR
 
Farmer's Insurance Group
(479) 783-0010
4300 Rogers Avenue
Fort Smith, AR
 
Brad S Thomas Ins Agency Inc - State Farm Insurance Agent
(479) 452-4320
3301 South 70th Street
Fort Smith, AR
 
Allstate Auto Insurance
(888) 355-7971
807 E Main St
Charleston, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Arvid A Bean Ins Agency Inc - State Farm Insurance Agent
(479) 452-1919
3620 South 91st Street
Fort Smith, AR
 
Bittle- Randy L - State Farm Insurance Agent
(479) 452-4088
2218 South 57th Street Ste B
Fort Smith, AR
 
Shaw- Gregory S - State Farm Insurance Agent
(479) 452-8700
4900 Rogers Avenue Ste 100F
Fort Smith, AR
 
Moody- Raymond F - State Farm Insurance Agent
(479) 782-7069
2816 Grand Avenue
Fort Smith, AR
 

Cheapest Cars to Insure

Auto insurance companies set premium rates based largely on statistical data that shows how frequently claims have been paid over a 3 year period for each car make/model. The assumption is that if a particular model has had a high rate of insurance losses in the past, it will continue to have losses and claims at the same rate in the future. Owners of those models will pay higher car insurance premiums than owners of other vehicles.

Repair cost is a factor in auto insurance cost
Insurance companies look at a number of factors when establishing rates. Collision data is one of the major factors. In insurance terminology, collision coverage pays for accident damages to a vehicle.

If a particular car make and model is expensive to repair or replace, then collision coverage is more expensive. For example, a Mercedes is relatively expensive to insure because parts and labor are expensive and, in case of destroyed vehicles, expensive to replace.

Frequency of accidents is another factor
Another part of looking at collision data is how often a particular vehicle is involved in accidents. Cars that have a high accident rate cost more to insure. Since cars don't have accidents by themselves (actually there was the Audi 5000 back in the 80's), accident rates are directly related to the kind of individuals who drive the cars.

Subaru Inpreza WRX has the highest insurance rate of any vehicle in its class. The reason is not that it is an expensive c...

Click here to read the rest of this article from Lease Guide