Arkansas Car Insurance
Arkansas Car Insurance: Saving Guide and State Requirements
If you are looking to buy a car insurance policy in Arkansas, it is essential for you to be aware of various ways in which you can get cheap insurance rates. We have listed some below:
Good Driving Record
Your driving record is given the utmost priority by car insurance companies in Arkansas when it comes to offering cheap insurance quotes. You need to drive safely and properly follow the traffic rules and regulations. If you get a speeding ticket or a traffic ticket, or if you are found guilty for Driving While Intoxicated (DWI) or Driving Under the Influence (DUI), you won't be granted cheap car insurance rates in Arkansas for at least 3 years. Hence, it is necessary for you to have a good driving record to get cheap car insurance. If you haven't been involved in an accident for at least 3 years, your insurance company may grant you a discount on your auto insurance policy.
Safety Features
Cars that are equipped with safety features have less possibility of being stolen. This factor is given due prominence by car insurance companies in Arkansas when determining insurance rates. By installing safety features such as air-bags, seat-belts, front and rear crumple zone, anti-lock braking system, alarm system and a GPS system in your car, you can get cheaper insurance rates.
Ask for Discounts
Some car insurance companies in Arkansas offer attractive discounts such as:
- Senior citizen discounts for the drivers aged 55 or older.
- Safe driver discounts for having good driving record with no involvement in accident for 3 or more years
- Good student's discounts for students who score well in their driver�s examinations
Each insurance company has a list of discounts available. Therefore, you should check what�s on offer to decide if you are entitled for one. If your car insurance provider offers discounts for any of the above mentioned reasons or more, and if you qualify for it, you will pay smaller premiums.
Combine All your Coverage Needs
It is recommended that you buy your home and car insurance policy from the same insurance provider. Your car insurance provider will consider this while determining your insurance rate and you may pay less on insurance premiums.
Arkansas State Requirements:
When shopping for cheap Arkansas car insurance policy, it�s important to meet requirements set by the state:
- Bodily Injury Coverage of at least $25,000 for per person injured and $50,000 for all persons injured in any one accident.
- Property Damage Coverage of at least $25,000 for injury (caused to other person in the accident) and damage to other people�s property.
More details on Arkansas�s insurance requirements can be obtained by contacting the Arkansas Insurance Department in Little Rock at 1-800-282-9134 or by visiting their website at http://insurance.arkansas.gov.
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