Auto Insurance

Arkansas Auto Insurance Law

Liability Coverage is mandatory by Arkansas Law. Liability coverage pays for accident claims when you are at fault. The minimum required coverage is $25,000 for Bodily Injury per person, $50,000 per accident, and $25,000 for property Damage.

Getting the Best Coverage at the BEST possible price.

Buying Automobile Insurance is a lot like buying anything else. The more you shop, the more likely you are to find the best deal. Kim Knight Insurance Agency Inc. is an independent agency; that we represent 10+ insurance companies and can help you find the best coverage for the best possible price.

Auto Insurance Rates Vary by Company.

Insurance rates established by any insurance company are based in part upon how many claims they have paid previously. The actuarial staff uses a lot of historical data when determining basic rates.

Auto Insurance Rates Vary by Automobile.

Some automobiles are more expensive to repair than others. Some are stolen more often than others. Some vehicles are more easily damaged than others. Price of the automobile is also considered. These are just a few of the Items used by Insurance companies.

Auto Insurance Rates Vary by Individual.

Your personal driving record is used to determine the rates you pay. The number of miles you drive each year is another factor. Your insurance score is used by some companies, carrying insurance for one year or more effects your rates.
 

You May Be Able to Lower Your Rate.

Insurance Companies offer lower rates and discounted rates. These vary from company to company but the basic list Includes:

• Higher Dedicated Insurance more than one vehicle with the same company.
• Insurance both your home and your vehicle with the same company.
• Student grades, A Grade point average of "B" could result in lower rates.
• Completion of a defensive driving course or Driver's education.
• Safety equipment installed in the vehicle such as car alarm, air bags, anti-lock brakes, or automatic seatbelt.