Popular for its historic downtown area and numerous outdoor recreation opportunities, Fayetteville is an excellent city to call home. 94,000 residents enjoy living in a moderate climate and proximity to the Ozark Mountains. With over 191,000 acres of land set aside for national and state parks, including the gorgeous Ozark National Forest, there is plenty of opportunity to explore hiking trails, campsites and wildlife viewing.
However, with 76.4% of Fayetteville’s citizens opting to drive themselves to their jobs, the safety risks on local highways are a major worry. This concern only rises when considering that Arkansas ranks 9th amongst states with uninsured motorists, which potentially implies 17% of Fayetteville’s population may be driving without auto insurance coverage!
To mitigate risk and ensure that you are financially protected, it is essential to purchase the right auto insurance coverage.
We Offer Affordable Car Insurance in Fayetteville
At OZK Insurance, we understand that buying car insurance can be overwhelming. That’s why our local agents are here to help you find the best coverage for your budget. We work with some of the best companies in the nation and can find competitive rates for liability, comprehensive, collision insurance, and more. Our friendly agents are available to answer any of your questions, so you can ensure that you’re getting the most helpful and reliable coverage available.
Whether you are a new driver or have years of experience behind the wheel, our agents can work with you to find the plan that best fits your budget and lifestyle. And if you have had a recent accident or speeding ticket, don’t worry – we can help you find a plan that will get you back on the road quickly. Plus, if you qualify for one of our discounts, such as safe driving or having a bachelor’s degree, you could save even more money on your annual premium.
Fill out our free online quote form to get started or give us a call today. Our agents are standing by and ready to help you find the cheapest car insurance you need in Fayetteville.
Legal Car Insurance Requirements for Fayetteville Drivers
To stay safe on the roads and comply with state law, Fayetteville drivers must possess a minimum of 25/50/25 coverage for their vehicles. This includes $25,000 of bodily injury per person per accident, $50,000 total of bodily injury coverage and $25,000 for property damage per accident. Although this minimum is required to avoid the hefty fines associated with not having auto insurance coverage in Fayetteville, more comprehensive and personalized coverage packages are recommended to truly protect drivers from the risks and costs associated with vehicular accidents.
Your Fayetteville Auto Insurance Options
There are many options drivers in Fayetteville have when it comes to car insurance coverage.
Collision Insurance
Collision insurance covers damages to your car caused by an accident, regardless of who is at fault. This coverage can help pay for repairs or the replacement of your vehicle if you are in an accident.
Liability Insurance
Commonly known as third-party insurance, liability policies provide coverage for bodily injury or property damage that may be caused by you while driving. It is the minimum coverage required by law in Fayetteville and most states.
Comprehensive Coverage
Comprehensive policies help pay for damages caused by theft, vandalism, or weather-related events. This coverage option can help you avoid paying for costly repairs out of pocket.
Comprehensive and collision coverage often come together, so it’s important to consider both options when purchasing a car insurance policy in Fayetteville.
Rental Reimbursement
This coverage pays for a rental car if your vehicle is damaged in an accident and needs to be repaired. It can help cover the costs of renting a car while your vehicle is being repaired.
Roadside Assistance
RA takes care of services such as towing, flat tire repair, and jump starts. Roadside assistance can be a great safety net if your car breaks down while you are out on the road.
How Much Does Car Insurance Cost in Fayetteville?
The average cost of car insurance in the city of Fayetteville is $940 per year. However, the cost of auto insurance can vary widely depending on your age, driving history, vehicle type, and other factors.
Getting the Cheapest Car Insurance in Fayetteville
The best way to find the cheapest car insurance in Fayetteville is by comparing quotes from different insurers. Factors that come into play when shopping for car insurance include your driving record, age, and vehicle type when shopping for car insurance. Some insurance companies offer discounts for drivers with a good driving history or those who have completed a defensive driving course.
We ease the process of getting the cheapest car insurance in Fayetteville with our 5-step process.
Step 1: Get a quote.
Fill out our free online quote form or give us a call to get an estimate on your yearly premiums.
Step 2: Compare quotes.
We will provide you with several quotes from different insurers so that you can compare quotes and coverage options.
Step 3: Select your coverage.
After comparing quotes, choose the most affordable and comprehensive car insurance policy from an insurance company that fits your needs.
Step 4: Purchase your policy.
Once you have chosen the policy that is right for you, purchase it directly through us.
Step 5: Enjoy your coverage.
After purchasing a policy, you can enjoy peace of mind knowing that you are protected in the event of a car accident while paying convenient insurance premiums.
Compare Car Insurance Quotes in Fayetteville, AR
You are a few steps away from getting the most affordable and comprehensive car insurance in Fayetteville.
Fill out our online quote form or give us a call to get started. We are here to answer any questions you may have and help guide you through the process of finding the best car insurance policy for your needs in Fayetteville. With our 5-step process, you can get the protection you need while paying a price that fits into your budget. Contact us today to get started!