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Insurance Requirements for Arkansas

The State of Arkansas requires a minimum amount of auto liability insurance for any registered vehicle. A driver who has their license suspended for insurance-related traffic violations, DUI, or reckless driving may be required by the court to obtain an SR 22 as well.

 The Minimum Liability Limits are:

*  $25,000 Bodily Injury

*  $50,000 Per Accident

*  $25,000 Property Damage

Minimum coverages are also the same for most vehicles. All insurance providers in Arkansas must also offer uninsured motorist coverage by law. Failure to keep the minimum required liability insurance will result in suspension of the vehicle's registration.


What does "full coverage" mean?

The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle.  The term "full coverage" does not mean that "everything" is covered no matter what happens.  Your auto insurance policy declaration page lists the coverages that you have selected. 


What deductible should I choose?

The higher the deductible, the lower the premium, but the more you will pay out of pocket in case of a claim.  The lower the deductible, the higher the premium, but the less you will pay if you have an insured claim.


What can I do to keep my car insurance premiums low?

In order to keep your car insurance premiums low, you could consider driving a safer, slightly older, or less valuable vehicle.  If you have a high premium but don't want to change vehicles, you can also opt for a higher deductible and be sure to keep your policy from lapsing to keep costs down.

The easiest way to keep your rates low without changing vehicles or spending money is to maintain a safe driving record.  Avoid moving violations like speeding and reckless driving.  Ultimately, remember to drive the speed limit, drive cautiously, and to buckle up, this will help you avoid getting ticketed, which will leave a mark on your record that lasts three years in Arkansas.


What is a limit?

A limit is the maximum amount of money your insurance will pay toward a covered loss.  For example, let's say you cause and auto accident resulting in an injury to a person in another car, the case goes to trial and there's a verdict to compensate that person for $57,000.  If the bodily injury liability limit on your policy is $50,000, your insurance company would pay $50,000, and then you would be responsible for the difference.


What is the difference between collision  comprehensive?

It's easy to remember what collision coverage does, simply by looking at the word "collision." When you have this type of coverage, you're essentially insuring your car against damages it may suffer if your car collides with another vehicle. Comprehensive coverage, on the other hand, deals with loss or damage caused by things other than a collision—such as theft, vandalism, animals or hail.

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Rating and Coverage Considerations

Coverage options, limits, and deductibles you choose are only a portiton of  the weighted elements that influence the rate of your auto insurance. Primarily, these criteria tend to influence your car insurance premium the most:

Your driving record

This one's the most obvious. Because your insurance policy is designed to offer protection in case you get into an accident, your insurer does its best to analyze the likelihood of an accident.

If you've been in 3 accidents in the past few months, for example, there's a higher chance of another one in the near future. Your driving record, also known as your Motor Vehicle Report (MVR), details past accidents and moving violations.

As a general rule: the cleaner your driving record, the lower your premium.

Age, gender, and marital status

Age, in an insurer's eyes, is directly related to experience. The more experience you have behind the wheel, the less likely you are to cause an accident.

Another important factor is gender, specifically since statistics say males are more likely to be involved in an accident than females.

Marital status is also important. Statistics show that married drivers are less likely to crash than their single counterparts.

These factors can often be neutralized by a clean individual driving record.

Where you live

Accidents are unexpected and often caused by factors outside of our control. If you live in an urban area that's densely packed with traffic and has a high theft rate, your premium could be higher than a rural-living counterpart's.

Additional Factors

These pricing elements typically affect your rate to a lesser extent than your driving record:

The make and model of your car

If you drive a new model that scored highly in crash safety tests, you could be rewarded with lower rates than a driver who opted for the flashy new car that performed poorly on the same tests. And if you add comprehensive and collision coverage to your policy, you'll be insured up to its actual cash value, or ACV, in the event it's stolen or declared a total loss. The less valuable the car, the less you can expect to pay for these coverages.

Your credit-based insurance score

This is not a factor in all states, but it remains a consideration in the majority of the country. Statistics show that drivers with better insurance scores are less likely to get into car accidents.

How you use the car

Do you use your car to commute through heavy traffic twice a day? Or is it just for Sunday drives? How you intend to use the car can influence what you pay for insurance.

Prior insurance history

Drivers who haven't had a gap in coverage are statistically less likely to get into a car accident.

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