The Keys to Arkansas Auto Insurance
From Mountain View, the community that preserves the pioneer way of life, to Hot Springs National Park, there is an abundance of old American spirit to be found just a few miles in any direction in Arkansas. So whether you’re hunting for diamonds at Crater of Diamonds State Park, or for the Boggy Creek Monster around Fouke, there are plenty of trips to take and as many good reasons to make sure you’re covered by the best Arkansas auto insurance on the market.
Arkansas Car Insurance Basics
As with other states, Arkansas has a set of minimum liability coverage requirements that you must meet in order to be legally insured. Remember, however, that the minimum requirements offer you very little protection for personal losses, and only cover expenses incurred by the other party in an accident.
- Minimum $25,000 for death & injury per person
- Minimum of $50,000 for death and injury per accident
- Minimum $25,000 coverage for damage to property
The state also mandates that when you are offered liability insurance, you must also be offered uninsured and underinsured motorist bodily injury and property damage coverage, and personal injury protection coverage. Un/underinsured coverage will cover you and your vehicle if the other driver is at fault, and does not have liability insurance. Personal injury protection provides you with wage loss, death and medical coverage regardless of fault. Refer to the Arkansas consumer FAQ for more details.
How to get the Best Arkansas Auto Insurance for Your Money
- You can get a College Graduate Discount and a Defensive Driver Discount. The Defensive Driver Discount is available to 55+ drivers who have completed an approved course.
- Remember that the state minimums only offer basic liability coverage. If you want to make sure your own damage and injury expenses are taken care of, ask about
- Uninsured, underinsured, and personal injury coverage.
- You can lower your premium by increasing your deductible, but don’t do that without first taking professional financial advice. A high deductible can put you in an expensive bind.
- Remember that car repairs can become so expensive that it’s preferable to just cash out on the car. Make sure, if you have an expensive vehicle, that your insurance reflects not only its value, but if it’s unique or requires specialized parts, its repair cost. Car value deteriorates – repair cost does not.
- The best way to keep your premiums low is to drive safely and obey traffic law.
Keep Your Wits About You on Arkansas Road Trips
Avoid distractions. When it comes to road safety, the five seconds it takes to send a text or answer a call can mean the difference between life and death. Even as a leisure activity, driving is dangerous and requires your full attention. Insurance companies will often reward you for good behaviour by offering lower premiums for good driving records, so putting the danger aside getting pulled over for a text could cost you for years to come.