aaa auto insurance arkansas

aaa auto insurance arkansas

Arkansas state law requires that motorists carry at least the minimum liability limits at all times while operating a vehicle. The cost of coverage fluctuates quite often in AR, and contrary to popular belief, the state does not set the rates. Due to the fact that insurers are allowed to determine their prices, it is strongly suggested that shoppers obtain multiple auto insurance quotes from various companies in order to find the most affordable policy.

Find Cheap Car Insurance in Arkansas Online

About Arkansas Auto Insurance Law

Motorists in the Natural State are encouraged by the Arkansas Insurance Department to shop online for vehicle coverage. The Internet can provide a wealth of information with little effort and can also help drivers efficiently compare quotes from multiple companies. When shopping for.

Yes, state regulations permit Arkansas car insurance providers to take credit history into account to help determine whether to cover an individual and how much to charge him or her for coverage. But not all car insurers in the state will use credit, and in the vast majority of cases, the practice has had either.

Being prepared for an accident or potential vehicle damage can be an excellent way to avoid paying for costly repairs. One of the best ways for Arkansas drivers to adequately ready themselves is to purchase an automobile policy that goes above and beyond what is required in order to.

March 5, 2013 - Proving coverage by electronic means is now a reality in Arkansas, where a speedy legislative process of less than a month zipped a bill to the governor's desk for approval. Act 175, formerly SB 243, was signed by Gov. Mike Beebe on March 1. The bill was introduced less than a month ago, on Feb. 5. State law mandates that .

Feb 21, 2013 - A bill in Arkansas allowing drivers to electronically display proof of insurance coverage is speeding through the state Legislature as similar proposals in states across the U.S. are moving along the legislative process. After being filed by Sen. Larry Teague (D-Nashville) just two weeks ago on Feb. 5, senators already passed .

September 18, 2012 - This month, Esurance began selling policies in Arkansas, the latest expansion for the insurer that has seen major growth efforts since Allstate acquired it last October. Currently, Esurance offers auto coverage in 32 states, according to spokesman Danny Miller. The direct-to-consumer insurer's last statewide expansion was .

Articles Related to Arkansas Car Insurance

Dec 23, 2011 - Automobile coverage is compulsory for Arkansas motorists, but with adequate research a resident can often end up decreasing their insurance costs. Shopping for quotes and utilizing discounts can make a.

Oct 26, 2011 - Legislation was passed in 1987 and 1999 making it against the law for residents of the Natural State to drive an automobile without the proper coverage in place. All motor vehicles cannot be.

Jul 29, 2011 - There are countless options available AR residents searching for automobile coverage. Competitive companies and unique motorist needs can typically lead to insurers charging different amounts for policies that provide the.

The American Automobile Association was founded in 1902, when cars were just starting to become a part of American life. There were originally only 1,000 charter members, and this quickly grew to encompass different local and regional clubs under the AAA umbrella.

Based on 103 review – 1 is lowest, 5 is highest

In 1905, AA began printing the first road maps, and in 1917, it began printing hotel guides. The School Safety Patrol Program was launched in 1920, and it was followed by many other driver safety programs. Over the years, the organization continued to grow and expand across the country. One of its most popular programs is a ratings service for hotels and restaurants nationwide.

AAA Insurance was previously known as The American Automobile Association, a non-profit automobile lobby group and a service organization. The company name was changed to AAA in 1997.

AAA also helps you plan your trips, from ground transportation to air or sea tickets to family vacations and business travel. AAA can handle all of the details of your itinerary at the lowest price. With more than 100 years of experience, the company has offices throughout the United States. AAA Insurance also has the AAA Club website, where you enter a zip code and follow the on-screen instructions for further assistance.

AAA provides travel information and services, financial services, car purchasing information, and insurance. In addition, AAA also provides services related to car repairs, financial services such as credit and different kinds of insurance products, including annuity and health insurance.

AAA Insurance takes care of your property and casualty needs, and helps you find the policy that best suits your personal needs. AAA provides you with many options to choose from — from small to high limits, some with limits on deductibles and discounts for safety records.

Arkansas teens driving on their learner’s permits with a licensed adult supervising them do not need to have their own insurance policies. Once they start driving on their own, however, teens need insurance, so you will want to explore options to keep these costs reasonable.

Most families add teens to their existing auto insurance policies. You could also comparison shop to find the best insurance option for your family.

  • Because the risk of a crash is significantly higher for teen drivers, particularly during the first year of driving, your teen’s car insurance rate likely will be higher than your own. Here are a few strategies to help you reduce auto insurance costs both now and once you add your teen driver.
  • Raise deductibles to lower premiums. Ask your auto insurance representative how much you could save by increasing your deductible. If you file a claim after raising your deductible, you’ll pay a larger share of the costs.
  • Investigate discounts. Many insurers offer discounts for students with a “B” or higher grade average and for teens who complete driver education or defensive driving courses.
  • Share vehicles. How you classify your new teen driver—as the main or an occasional driver of one vehicle, for example, will affect auto insurance premiums, so consider sharing vehicles.
  • Avoid sports cars and SUVs. Many experts agree that mid-sized sedans are the best choice for teens. Small cars don’t offer as much protection in crashes, sporty cars may encourage speeding or recklessness, and SUVs and pick-up trucks are more difficult to maneuver and more likely to have roll-over crashes. So, for safety as well as lower auto insurance rates, consider a mid-size sedan when it’s time to look for a car.
  • Practice, practice, practice. Now is the time to drive with your teen under varied conditions, so there will be fewer surprises (and potential crashes) when you’re not in the vehicle.
  • Be involved. Research shows that teens with more involved parents get fewer tickets and engage in less risky driving. Avoiding tickets and crashes will help keep your car insurance rates down. A parent-teen driving agreement can help you set rules and stay involved.

Car Insurance Requirements in Arkansas

All Arkansas drivers are required to have auto insurance at the minimum levels of $25,000 per person for bodily injury, $50,000 per collision for bodily injury and $25,000 for property damage (25/50/25). Insurance companies in Arkansas determine rates on factors such as your driving record, how long you’ve been a licensed driver, how much you drive, where you live and what you drive.

The AAA Auto Insurance company offers more than just the well known roadside assistance.

With triple AAA insurance you can pretty much get all of your car insurance needs met in one place and with a company that's been around for years.

AAA car insurance offers not only road service, but they also offer help with buying or leasing a car and dealing with repairs and maintenance services.

AAA car insurance can also provide you with driver safety information and courses as well as other tools and resources.

Some people don't realize that AAA also offers personal car insurance, homeowner's insurance, motor home insurance, motorcycle insurance, boat insurance, personal umbrella and travel insurance.

When you go to the AAA Auto Insurance site and input your zip code, you'll be able to find out exactly what type of services are available from the AAA Clubs in your area.

Now let's talk about the ever-popular and most well-known coverage offered by AAA - their Auto Club for roadside assistance.

The popular Triple AAA Insurance road service is available 24/7 and was created to help you when the qualified vehicle you are either driving or traveling in stops working.

My family has had to take advantage of AAA Auto Insurance Club help on more than one occasion. It's great to have it to rely on as a back-up when needed.

With your membership, road service will be provided without charge from the nearest available service provider. As a AAA member, you can have your car towed or get battery assistance, tire change, lockout service, gas delivery, and more.

What’s more is that your AAA membership protects you in a registered, qualified vehicle that you are traveling or operating.

Please note: AAA-branded auto insurance is NOT provided through a single company.

Your AAA Club membership offers you up to four (4) Roadside Assistance procedures per membership for each membership year.

When AAA arrives, they will ask if you were with the vehicle at the time of the wreck and when the service vehicle arrived. This helps guarantee your identification, well-being and protection. You will also need to have a legitimate membership card and identification when a representative arrives. Service might involve an effort to make the vehicle work. Roadside Assistance benefits cannot be transferred.

The following vehicles qualify: Basic / Plus - legally registered light passenger vehicles (i.e. sedans, SUV's , Mini-vans and pickup trucks up to 1 ton capacity). Vehicles have to be able to be safely approachable from a generally traveled road or a recognized access road, like a road that is taken care of by the county.

Dual-wheel light passenger vehicles are entitled to all services excluding in the interior of the tire. Rented passenger and business vehicles, within dimension confines mentioned above, apart from cabs and limousines, qualify for roadside assistance.

Plus RV / Motorcycle - legally registered motor homes, pickup trucks with campers, travel trailers and motorcycles. Vehicles must be able to be safely accessed from a normally traveled road or an established thoroughfare, such as a county-maintained road.

Non trailers like utility, animal, watercraft, dirt bike, yard equipment, ATV, and vehicle trailers are not included.

The following basic services will be supplied to make your automobile work again:

  • Minor/temporary mechanical alterations will be performed in an effort to allow your vehicle to function safely under its own power.

Entitled AAA Auto Insurance members can get one of the following benefits when a journey away from home is interrupted due to a crash that is at least 100 miles away from your home. The accident does have to be reported to law enforcement (and/or your insurance company).

AAA Auto insurance club members will be reimbursed for up to $700 for one of the following if these costs are sustained within 48 hours after the accident:

  • Maximum 7 day rental of a substitute vehicle to your ultimate destination from the site of the accident;

Go to the AAA Auto Insurance website if you want to join. Member benefits start immediately. You can download and print your new membership card online. Your membership will be good for a year from the date you join. Just remember – the coverage only insures you as the driver or passenger, not the vehicle.

Do you have any personal experience as a AAA Club Member? If so, tell us about it, good or bad! Your experiences can serve as an honest review for other consumers interested in whether or not they should consider AAA themselves.

Dish The Dirt On Your Insurance Company!

Most people hate spending money on auto insurance. But if you have to spend the money, you want to be sure you are getting the best deal possible.

Click below to see reviews and ratings from other visitors to this page.

I switched to Intact Insurance Company After using "State Farm" for three years at a rate of $1400.00 per year; they send me a new statement demanding …

Last year I gave all my children and grandchildren AAA memberships as a gift for their birthdays and they loved it. I felt secure that their needs …

I have been with the AAA insurance company for about 5 years now. It is the only company I have ever been insured under. I have never had to file …

We switched to AAA Texas 2 1/2 years ago after my husband did research on coverage versus money paid. We have been very happy with them. While we …

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The company I'm currently insured with is Peerless Insurance. I have been with Peerless for about 1 year, and I have yet to file a claim with them. …

I first got recommended to AAA Auto Insurance when my dad bought me a card for Christmas one year. It was just after I had broken down on the side …

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What you need to know about driving in the Natural State and how to find a great rate.

Car Insurance Done the SMARTWAY™

Arkansas is a nature lover’s paradise, with varied terrain, abundant parks, scenic trails, and popular hot springs. If you want to explore all the state has to offer, you’ll need to do so by car, as there isn’t a well-developed network of public transportation. And if you’re out driving on the roads of Arkansas, you’re required by law to carry auto insurance.

Before deciding on an insurance policy, it’s important to comparison shop to find the best coverage at the best rates. We can help you do that. We provide unbiased, carrier-neutral information to make insurance shopping as painless as possible. Just keep in mind that many factors affect your premiums, including your claims and credit history, your driving record, coverage limits and selections, and your location; your marital status, age, and the make and model of your car also come into play.

Wondering where to begin your car insurance journey? We’ve taken some of the guesswork out of the process by providing a list of top insurers in your state below (see the full list).

Not all car insurance companies are the same. Make sure you pay attention to rates, the number of rejected claims, and overall customer satisfaction scores when comparing companies.

Use the list of cities below to compare your local rates. If your city isn’t on the list, skip it and start comparing rates instantly!

As is the case everywhere in the US, car insurance is an important legal matter in Arkansas. But carrying proper insurance does more than keep your license from being suspended. It provides financial security and protection against lost wages, medical bills, and other expenses. You never know what you might encounter on the road.

Arkansas Driving Safety

While Arkansas doesn’t have the worst safety statistics in the country, it doesn’t have the best either. Distracted driving, driving under the influence, failure to use seat belts, and other factors all contribute to the number of accidents and fatalities in the state each year. Even if you’re the safest driver on the road, you can still become involved in an accident with someone who isn’t.

Below are some key state driving stats. See the Arkansas 2014 Traffic Crash Statistics for additional information.

Eco-friendly driving laws in Arkansas and around the nation are evolving much more quickly than laws in other areas. As Arkansas continues its shift toward environmentally friendly practices, the laws may continue to change. Of course, even green drivers must obey the state’s traffic laws.

There are currently several benefits to going green in Arkansas. Some of them include:

The IRS provides significant tax breaks for citizens purchasing eco-friendly vehicles, including hybrids and plug-in hybrids, electric cars, alternative fuel vehicles (AFVs), and biodiesel vehicles. Speak to your tax consultant or accountant about this issue before filing your taxes.

Some insurance companies operating in Arkansas offer discounts to owners or operators of green cars. For business owners who insure multiple eco-friendly vehicles or entire fleets, these discounts can save a substantial amount of money.

Arkansas Special Fuel User’s Permit

Owners of vehicles that run on liquefied natural gas (LNG) or liquefied petroleum gas (propane) must apply for and receive a special fuel user’s permit through the state Dept. of Finance and Administration. If you’re interested in applying, you can do so online.

Every vehicle owner in Arkansas must carry liability coverage in the amounts of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 to cover damage to another’s property. Liability insurance pays for claims when an accident is your fault. You have the option of choosing higher limits than the minimum required by law.

Important optional coverages include uninsured motorist insurance, which covers you and your vehicle if you’re involved in an accident with an uninsured driver and the accident is his or her fault, and personal injury protection (PIP), which helps with lost wages and medical expenses.

Maximum payment for serious or permanent injury or death to a single person

Coverage for multiple people injured in a single accident

Maximum payment for all damaged property in an accident caused by you

Maximizing Your Return on Investment

Although Arkansas does not require full coverage (collision and comprehensive), most vehicle finance lenders do require this level of coverage. If you elect not to purchase full coverage, your lender may purchase it on your behalf and charge you for it. This is typically a much more expensive way to go than purchasing the insurance yourself.

  • Auto Loan/Lease (or "gap9quot;)
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Medical Payments
  • Lost Wages
  • Death Benefits
  • Car Break Ins
  • Customized Parts and Equipment
  • Emergency Road Service
  • Rental Coverage
  • Personal Umbrella
  • Towing and Labor
  • Travel Expenses

Optional coverages typically don’t cost a lot, and they offer extra financial protection and peace of mind. Some exclusions will apply.

Arkansas car insurance companies

*This list is based on consumer ratings of the Central U.S. Region in the J.D. Power 2016 U.S. Auto Insurance Study. Ratings are based on five customer service areas: policy offerings, price, interaction, claims, billing. USAA is only open to U.S. military personnel and their families and is therefore not included in the rankings.

Arkansas has laws mandating use of child restraint systems for children under the age of 15. These laws are based on a combination of weight and age.

Infants up to at least 1 year of age or up to 20 pounds must ride in a rear-facing seat approved for use in infants. At over 20 pounds, and from ages 1 to 6 (or 60 pounds), children should be placed in a forward-facing seat, convertible seat, or booster seat. Children ages 6 to 15 years should ride with a shoulder/lap seat belt combination.

Failure to follow these laws may result in a fine of up to $100. Children should always ride in the back seat when possible to prevent injuries that can result from a deploying airbag.

Leaving Children Unattended in a Vehicle

Arkansas is prone to high temperatures during the summer months. For this and other reasons, including a higher risk of kidnapping and accidental injury, children should never be left unsupervised in a vehicle. The interior of a vehicle can become dangerously—even fatally—hot fairly quickly, posing a serious risk to children, as well as animals.

The state does not have any specific laws regarding leaving children unattended, but if you do leave your child inadequately supervised in a potentially dangerous situation, or if your child becomes injured or dies while left unattended, you may face child neglect or other charges.

Anyone who sees an endangered child or pet left alone in a vehicle, especially if the temperatures outside are very warm or cold, is urged to call 911 and provide the location of the vehicle.

Is my credit score a factor when obtaining car insurance in Arkansas?

Yes, your credit score is one factor when determining your car insurance rates. Some insurance companies believe that information found in a credit report helps predict which customers are most likely to file insurance claims, and that those customers should pay more for their policies. Everything from your length of credit history to your past payment history and number of open credit lines can be used to create your “insurance score” that affects your premium.

Does Arkansas offer a good-driver discount?

Arkansas isn’t cheap when it comes to auto insurance, but shopping around and qualifying for discounts can save you a lot on your premium. Compare discounts offered by each carrier you’re considering, but good-driver discounts are typically offered by all insurance companies. A few other possible discounts include:

  • Accident-Free
  • Defensive Driving Course Completion
  • Anti-Lock Brake
  • Passive Restraint
  • Anti-Theft Device
  • Good Student
  • Multi-Car
  • Multiple Line
  • Home Ownership
  • Vehicle Safety

Does Arkansas allow the use of digital insurance cards?

According to the Property Casualty Insurance Association of America, almost all states now allow drivers to show electronic proof of coverage, including Arkansas. Before you rely on this method of showing proof of coverage, though, confirm that your insurance carrier provides official digital auto insurance cards.

What happens if my coverage lapses?

In Arkansas, you’re required to show proof of insurance whenever stopped by a law enforcement officer. Plus, the state maintains a database that is automatically updated whenever changes are made to your insurance status or vehicle registration. If your coverage has lapsed for any reason, you may face driver’s license and registration suspension and be charged fines. Penalties become more severe for subsequent offenses.

What are Arkansas 's blood alcohol concentration (BAC) percentage limits under the state's driving under the influence (DUI) laws?

It is against the law for anyone to operate a motor vehicle in Arkansas with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Driver fitness is also negatively affected by illegal, prescription, and over-the-counter drugs. If your driving is impaired while under the influence of one of these substances, you will face harsh penalties.

What are the chemical test refusal penalties in Arkansas?

Applying for a driver’s license in Arkansas means agreeing to comply with the state’s Implied Consent Law. It states that a law enforcement officer can test you for alcohol and/or drugs during a traffic stop if you’re suspected of driving under the influence. If you refuse this test, your license will be automatically suspended for 180 days; subsequent offenses result in longer suspensions.

What are the consequences of being convicted of a DUI?

If convicted of a DUI in Arkansas, you face criminal charges, driver’s license suspension, and financial penalties. The length of your license suspension depends on the number of offenses, with a first DUI receiving a suspension of 6 months, a second within a 5-year period receiving a suspension of 2 years, a third within 5 years resulting in a 30-month suspension, and permanent license revocation following a fourth within 5 years.

Does Arkansas offer driver improvement courses to reduce my insurance premium?

Driver improvement courses may be ordered following violations, and they can also be taken to keep points off your license and prevent an increase in your insurance premium. Topics covered in these courses include safe driving techniques, sharing the road with other motorists, and Arkansas traffic rules and violations.

Is there any way I can reduce the cost of my Arkansas car insurance?

Taking a defensive driving course, choosing higher deductibles, and avoiding lapses in coverage are good first steps at reducing the cost of your Arkansas auto insurance. Additionally, keep an eye on your credit score, sign up for all possible discounts on your policy, and pay upfront instead of in monthly installments. Of course, shopping around and comparing rates is one of the best and easiest ways to save money on your insurance policy.

What is uninsured motorist coverage and is it required in Arkansas?

Arkansas does not require uninsured motorist coverage, but this insurance is an optional and recommended policy addition. Uninsured motorist coverage helps pay for property damage or injuries resulting from an accident caused by a motorist driving without coverage.

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