Auto Insurance In Arkansas
Readers Question:
I will be buying auto insurance in Arkansas soon. There are a lot of things I dont know about. Can you tell me what kind of auto insurance should I buy? And also, how can I get cheap auto insurance rates here?
Lily
Little Rock, AR
The state of Arkansas requires that you have auto insurance on all the vehicles that you own or operate. The auto insurance coverage limits are as follows:
$25,000 bodily injury liability for every person per accident
$50,000 for all persons in an accident
$25,000 for damage on properties.
However, in general, it is strongly recommended that you go beyond the minimum limits of auto insurance in Arkansas. The reason for that is simple – vehicular accidents may cause you a lot of money and the state required auto insurance limits may not be enough to shoulder all your financial expenses if you get involved in an accident.
Auto insurance companies would recommend you buy around $100,000 for bodily injury protection and $300,000 for every accident.
Moreover, for your auto insurance shopping tips, here are some few things you may wanna try to get cheap auto insurance in Arkansas:
For students, get a GPA of 2.0 or even higher to get a discount on your car insurance premiums.
Enroll in a drivers education program since auto insurance companies often offer discount for drivers who have successfully completed a course like that.
Maintain a good driving record. For some auto insurance companies, even a single ticket traffic violation could mean an increase on your auto insurance premiums.
Go for old vehicle with safety feature devices installed. Expensive vehicles like sports cars or luxury cars will ask for expensive auto insurance rates.
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