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Arkansas Auto Insurance

Everyone in Arkansas want cheap insurance, however, you still have to ensure that you have what the state requires from you for your auto insurance. Fortunately, when you get an auto insurance quote, you will be quoted on your state's requirements and licensed insurance companies will not sell you anything less than the required amount, making this part of the process easy for you. Regardless, being aware of the required coverage in your state can help you better understand why your insurance costs what it does.

First of all, like every state, Arkansas requires that you have liability insurance on your vehicle. In Arkansas this liability minimums are $25k for a single person's bodily injury, $50k for the bodily injury of multiple people in an accident and $25k for the damage to the vehicle or vehicles that you strike in an accident. While the minimum requirements across the state are the same, the price you pay may vary depending on where you live. For example, in the entire state of Arkansas there were 63,300 accidents last year. However, specific areas saw higher accident rates than others and those areas will pay a higher premium than those who live in areas with low accident rates.

Little Rock residents, for example, will find that they will pay a higher rate for their auto insurance than a resident in Sherwood. That is because last year Little Rock had 6,900 accidents while Sherwood had 751 accidents, of course a lot of this translates to a bigger city versus a smaller city, however your rates will still vary because of these numbers. What's more, car theft and vandalism in your area will have a determination on your rates as well, which is why it is easier to get cheap insurance in some areas than others.

Finding cheap insurance in Arkansas is not difficult, all you have to do is use a free quote tool so that you can compare the rates of good companies side by side. This allows you to not only see the different rates, but in many cases quotes will include a variety of levels within the quote so you can compare a comprehensive rate to a liability rate so that you can determine if you can afford additional coverage. If you are one of the one and a half million drivers in Arkansas, you need to ensure that you have the proper coverage for your vehicle.

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Arkansas Car Insurance

Although Little Rock, Fort Smith, Fayetteville, North Little Rock, and Jonesboro are the biggest cities in Arkansas cheap car insurance rates vary from city to city and rates in Springdale may or may not be different than Pine Bluff. Whether you live in Conway, Rogers, Hot Springs or some other city in Arkansas take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Arkansas.


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