Are You Paying Too Much for Auto Insurance in Bentonville, Arkansas?
If you feel like you are overpaying for your auto insurance, but you aren’t sure how to tell, an independent agent can help! Simply call an independent agent and he or she can evaluate your current policy and compare it to other auto insurance products in your area.
How does that work?
Independent insurance agents have access to multiple insurance companies. They can shop around and compare pricing to get you the best possible car insurance in Bentonville and across the state of Arkansas. Don’t overpay for auto insurance! If your gut is telling you that you are overpaying, listen. You just might be.
What type of auto insurance coverages do I need in Arkansas?
If you live in Bentonville, Centerton, Fayetteville, Little Rock, Hot Springs, Springdale, or any other part of Arkansas, you are required to have auto insurance. The types of coverages that are required in the state of Arkansas are:
- Liability coverage covers any claims when you are at fault for the accident
- Uninsured motorist coverage covers you and your vehicle if the other driver is at fault but doesn’t have enough coverage
- Personal injury protection covers wage loss, death benefits and medical coverage in any accident despite who is at fault
What coverages are optional?
If you live in Arkansas, you can also purchase comprehensive coverage which protects against damage to your car that is caused by a natural disaster or other event in which you weren’t driving the vehicle. Collision coverage protects damage that occurs to your vehicle during an accident.
Does my insurance cover vehicle rentals?
This depends. You will need to ask your insurance provider before driving a rental to make sure you take appropriate action to be covered.
Why it is important to have good auto insurance?
Many people don’t think about the reason it is so important to have quality insurance. Think about it — if you are involved in a serious car accident, the damage can be very expensive, especially if you and/or the other driver or any of the passengers suffer severe injuries. Auto insurance protects against costly medical bills as well as other losses associated with the accident, including the inability to work, damage to the vehicle and more.
What is the most important coverage I should have?
The most important coverage is liability and property damage coverage. It is important to keep your vehicle legal, so you don’t lose your driver’s license and must pay expensive fines.
Is there anything auto insurance doesn’t cover?
Yes, auto insurance does not cover damage related to the engine or the gearbox.
Want to see if you are paying too much for auto insurance?
If you want to find out if you are overpaying for your coverage, and if you have the right amount of coverage, contact OZK Insurance today. We are the leading independent auto insurance company in Arkansas, serving in Bentonville, Centerton, Fayetteville, Little Rock, Hot Springs, Springdale, or any other part of Arkansas. We have access to several insurance companies and can compare products and pricing to make sure you have what you need for the best possible rate. For more information or to schedule a consultation, contact us today.