Choosing an exceptional provider for Arkansas car insurance isn’t easy for everyone. In the state of Arkansas, there are many providers trying to sell auto insurance policies to consumers. Your goal as a consumer should be to distinguish the most trusted companies with the best deals from other companies that don’t have a good track record or that aren’t able to give you low rates.
It is important to know and understand the minimal requirements in the state of Arkansas before you purchase a policy. Having a general understanding of what is required will help you decide how much coverage you feel comfortable with to feel safe. Each year there are over 60,000 accidents in the state of Arkansas, so it’s important to have quality auto insurance coverage.
Minimum Arkansas Car Insurance Requirements (25/50/25)
In the state of Arkansas, you are required to purchase a 25/50/25 policy. This type of policy provides fairly extensive coverage compared to other states in the U.S. Each number represents an aspect of the coverage in thousands of dollars. So how much money would this type of policy cover?
1. $25000 bodily injury insurance (per person)
2. $50000 bodily injury total (per accident)
3. $25000 property damage (per accident)
In most cases, this will provide you with enough coverage to get by in the event of an accident with minimal severity. Obviously you may want to increase the amount of coverage that you purchase if you live in a high-traffic area because the chance of you getting into an accident is greater. Similarly, if you drive a very expensive vehicle that is worth a lot of money, you may want additional collision insurance coverage so that you don’t end up having to withdraw money from your own savings to pay for additional damages.
How much insurance should you buy for your vehicle in Arkansas?
Before you even start making comparisons of Arkansas auto insurance companies, you need to have some idea as to what type of policy you would like to purchase. Are you looking to buy the minimal 25/50/25 coverage? Or would you like a more comprehensive policy with vandalism, theft, and weather damage protection? As a consumer, it’s completely up to you to decide what you think would be the best fitting coverage for your vehicle.
Is it recommended to purchase more than the minimum in the state of Arkansas? In general, it is recommended to purchase additional coverage so that you have enough insurance to cover medical liabilities and injuries. Paying $20 to $40 extra per month really isn’t bad compared to having to pay $40000 extra in the event of a serious accident from being underinsured.
Arkansas Drivers: Selecting an elite Insurance Company
If you live in the state of Arkansas, you probably know that there are many auto insurance companies that are competing for your business. You have probably seen insurance agencies advertisements on the television, on billboards, as well as have heard them on the radio. So how do you know which company offers the best overall policy for the price tag? There are a few things that you’ll want to investigate before ever doing business with a certain company including:
- Customer testimonials and reviews
- Level of customer support (e.g. 24/7 vs. 8 hrs per day)
- Number of discounts offered
- Age and reliability of the company
Before you ever buy a policy, you need to do a little bit of detective work and investigate potential insurers to make sure that they are trustworthy companies. You’ll want to make sure that existing customers are satisfied with their coverage and savings as well as the customer support that is offered. All companies will tell you that they offer the best rates, customer support, etc. – but that’s just to get your business. You need to dig deeper by doing some internet research before you buy a policy in Arkansas.
How to get Insurance Discounts in Arkansas
If you want to get the lowest overall price on your monthly insurance bills in Arkansas, you will want to make sure that you apply for discounts. What are some general types of discounts that you can expect to get with your insurance policy in AR?
- Good credit score discount
- No claims savings
- Clean driving record savings
- Students with good grades savings
There are tons of ways to save in addition to the four ways mentioned above. Make sure that you always ask any potential insurance companies for a summary of all the ways in which you can save. Many will allow you to save by getting multiple cars insured, forming a joint policy with a spouse or significant other, as well as by storing your vehicle in a safe, secure, place at night (e.g. a garage as opposed to parking on the street).
Free Arkansas Car Insurance Quotes Comparison Online
It’s always a smart idea to get a head start towards finding a good quote for auto insurance in Arkansas by comparing providers online. If you want to get free quotes quickly and easily, all you have to do is enter your zip code in the form at the top of the page and click “START.” After you have entered your zip and proceeded to the next page, some results will show up. You can see the top selected insurers in your area and save up to 50%! Hopefully you now understand that getting quotes online isn’t too difficult and makes the entire process of comparison shopping for insurance much easier.