Saturday, December 20, 2014

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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