Cheap Arkansas Auto Insurance Quotes
In this write-up, we will talk about the 3 main points of Arkansas auto insurance – the law, rates, and claims. All cheap auto insurance quotes should provide you with peace of mind on the road and be light on your pocket – both are achievable if you educate yourself on this subject.
Arkansas Automobile Insurance Law 
AR follows a Tort add-on system – the main law is Tort (at-fault parties pay the victims), but it also has a no-fault law added to it. The no-fault law works as follows: each motorist is required to buy PIP (personal injury protection), which will pay for their own injuries regardless of who is at fault in an accident. This allows each motorist to cover their medical needs fast and efficiently if they sustain injuries in an auto accident – they will not have to spend time on trying to get the other party to compensate them. Also, their right to sue the other party will be reduced (there is usually an exception for severe injuries that disfigure or result in a loss of limb).
The other coverage that's required to be purchased by each motorist in AR is liability (the Tort portion) – it covers the driver’s liability to the victim and the victim’s vehicle. The amounts of liability coverage that need to be purchased in Arkansas are: 25/50/25 (in thousands). Many drivers choose to purchase more for better protection.
Arkansas Automobile Insurance Rates
The state of Arkansas is serviced by around 115 cheap auto insurance companies that are licensed to sell car insurance. The current average car insurance premium in this state is around $1,200 a year. This is low for the U.S., but it’s understandable. First off, Arkansas is the 4th cheapest U.S. state to live in, after Tennessee, Kentucky, and Oklahoma. Second, this state is the 35th least dense by population in the U.S. Arkansas does have extreme weather (thunderstorms, tornadoes, snow, hail, and ice storms), but this doesn’t seem to drive the cost of automobile insurance up.
If you have a good driving record and you drive an inexpensive automobile, there’s no reason why you should not find cheap auto insurance in Arkansas (unless you buy more coverage). So, if you’re quoted more than $1,200, check for new quotes and you should be able to save money. Quotes are available online, from independent insurance websites and from quote comparison websites.
Arkansas Automobile Insurance Claims
If you experience an accident in AR, you will need to file a claim. It’s important to understand how to file claims and with which company – yours or the other party’s. For example, if the other party is at fault for causing damages to your vehicle, you will need to file a claim with their company. If they cause injuries to you and damages to your vehicle, you may need to file claims with both companies.
If the amount of a settlement offered by an insurance company does not satisfy you, you can take action – hire an independent claims adjuster, hire a lawyer, or file a complaint with the AR insurance department. If your own insurance carrier is being unfair, consider moving to another company once the claim is settled.
