Direct Auto Insurance In Arkansas

When it comes to direct auto insurance, Arkansas operates under what is known as the 25-50-25 rule. What this means is that drivers are required to carry at least $25,000 in bodily injury liability for one person accidents, at least $50,000 in coverage for accidents involving more than one person, and at least $25,000 in general property damage coverage. Any legitimate policy will at least meet these requirements, and the best will go above and beyond these amounts.

While the figures above represent the bare minimum amounts of coverage Arkansas drivers are required to possess most drivers will opt for more coverage. This is because the minimum requirements amounts really aren’t enough to cover you adequately in the event of an accident. Damages from a car accident can easily rack up medical bills and legal fees that such a diminutive policy would not even come close to covering. Therefore, most drivers in the state will opt for collision coverage, comprehension coverage, GAP direct auto insurance, uninsured motorist insurance, underinsured motorist coverage, or some combination of all or some of these. If you are unclear about which types of direct auto insurance you need, then speak to a direct auto insurance agent for further advice.

Average Cost of Direct Auto Insurance in Arkansas

In Arkansas, the average direct auto insurance premium most insured drivers pay is around $1,075 per year. This is a slight increase from last year’s average rate of $1,071. While knowing the average premium amounts can help you to avoid overpaying for direct auto insurance, do know that it is not uncommon to pay slightly less or slightly more than the average amounts depending upon your own personal driving history, the type of vehicle you drive, how frequently you drive, your age, sex, marital status and many other factors. Fortunately, there are many direct auto insurance discounts available in Arkansas which can help you to save money in the long run.

Direct Auto Insurance In Arkansas

Arkansas Direct Auto Insurance Discounts

Some direct auto insurance discounts that can help you avoid paying exorbitant rates for direct auto insurance include the good driver discount, the safety features discount, the anti-theft features discount, and even a hybrid vehicle discount. Good driver discounts are given to those drivers who have not had any driving related offenses and/or speeding tickets within a set time period as determined by the direct auto insurance provider. Even if you don’t qualify for this discount, you can often make up for it by opting to take a defensive driving course or some other type of driver’s education. The safety features discount is given to those drivers who have certain factory installed safety features, such as back up cameras or air bags, on their vehicles. Likewise, the anti-theft features discount is provided to drivers who have vehicles with car alarms, coded entries, or other features which reduce the odds of auto theft. Finally, the hybrid vehicle discount is given to those who positively impact our environment by choosing to operate a hybrid vehicle. Many direct auto insurance companies also provide discounts for natural gas vehicles as well. Of course, not all providers will offer all of these discounts, so you might have to do some searching to find the ones that do if it will end up saving you big money. Not all drivers are eligible for direct auto insurance discounts and these discounts vary from one direct auto insurance company to the next so its important to shop around and compare as many providers as you can before selecting a policy.

Stolen Vehicles in Arkansas

One of the most important discounts listed above is the anti-theft features discount since Arkansas has some of the highest rates of car theft and/or vandalism. Some vehicles are stolen more commonly than others, and if you happen to own one of these vehicles, it can mean higher direct auto insurance rates if you don’t take such precautions. The most commonly stolen vehicles in the state include Chevrolet full size c/k 1500 pickups, Ford F150 trucks, Dodge Ram pickups, Honda Accords, Chevrolet Caprices, GMC Full Size C/K 1500 pickups, Oldsmobile Cutlasses, Ford Tauruses, Cadillac DeVilles, and Toyota Camrys. If you own one of these vehicles its even more important to take proper measures in order to reduce your exposure to car theft and avoid high direct auto insurance rates.

Some common anti-theft features that typically qualify for discounts include steering wheel locks, which immobile the vehicle until properly disarmed; kill switches, which shut down part of the electrical system of the automobile; basic alarms; and hood locks, which are useful for cars commonly stolen for parts. Adding just one of these devices can protect your car and save you money.