Arkansas Car Insurance
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Understanding Arkansas Car Insurance
How much Arkansas car insurance is enough?
The minimum amount of Arkansas car insurance that you must purchase to legally drive comes in the amounts of 25/50/25. This breaks down to:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
It is important to understand that these are the minimum requirements set by the State of Arkansas. The 25/50/25 liability coverage does not pay for damage caused to your vehicle, nor does it cover any damages to you or your car after being hit by an uninsured motorist.
The bottom line is that you may want to consider purchasing more than the minimum requirements to adequately protect you and your car.
What if I can't find Arkansas car insurance?
If you are unable to obtain Arkansas car insurance in the regular market, you may be eligible for coverage under the Arkansas Automobile Assigned Risk Plan. This coverage may be purchased through any Arkansas car insurance agent and should only be used as a last resort.
Can my Arkansas car insurance be cancelled?
Your Arkansas car insurance may only be cancelled for:
- Nonpayment of premium
- Fraudulent behavior
- Homicide arising from the use of a car
- Conviction of drunk driving
- Three convictions of speeding or reckless driving during the policy period
If your Arkansas car insurance is being cancelled for nonpayment, your agent must send you written notice 10 days before the policy is cancelled. If your Arkansas car insurance is cancelled for any of the other abovementioned reasons, your agent will give you a 20-day notice before the policy expires.
How will my Arkansas car insurance premium be determined?
The premium for your Arkansas car insurance will be determined by many factors, some of which may include:
Your Driving Record. Essentially, your driving record is what agents use to gauge how risky you are to insure. The more marks you have on your driving record, the higher your premiums will be.
Previous Insurance Coverage. Your new insurer will want to know about your relationship with past companies. Did you make payments in a timely fashion? Did you conduct yourself ethically? The answers to these questions will indicate how you will get along with your new Arkansas car insurance company.
Geographic Location. Metropolitan areas are heavily riddled with traffic and theft, both of which increase the chance for accident and damage to your vehicle. Therefore, if you live in the city, you may face higher premiums than those living in rural areas.
Your Age and Gender. Statistics show an increased risk for accident in certain demographics. Your Arkansas car insurance agent may use statistical probability to determine your premium.
Your Vehicle. Some cars are charged higher premiums than others for the simple fact that they may be difficult to repair or replace, so make sure you check your Arkansas car insurance rates before buying that luxury coupe.
What if I still have questions on Arkansas car insurance?
The Arkansas Department of Insurance is an excellent resource for information on Arkansas car insurance. Contact them at (800) 282-9134, or visit them on the Web.
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