How To Get Cheap Auto Insurance In Little Rock, AR Where Rates Are On The Rise
In “the natural state” of Arkansas the average cost of car insurance is $1,645 but this average depends on where you live in the state. Little Rock, the state capital, has one of the highest car insurance rates at around $1,814. Let’s take a look at why rates are higher in Little Rock and how you can get the most affordable rates available.
Little Rock, Arkansas is a great city to live in. There are many family friendly attractions that you can drive to and enjoy, such as the William J. Clinton Presidential Library and Museum and the popular Little Rock Zoo. You can enjoy brunch and shopping at the historic River Market District and attend jazz concerts and other southern hospitalities.
The number one cause of high motor vehicle insurance rates in Little Rock, according to KATV News, is the raising number of uninsured drivers on the road. People driving unlicensed or with lapsed coverage is estimated to be around 16.6%. This leads to more burden on insurance companies and families alike.
The minimum liability laws in each state are there to protect drivers from medical and property damage costs they cannot afford. In the state of Arkansas, you must carry a minimum of $25,000 bodily injury liability insurance per person up to $50,000 per accident. You must also have a policy that covers at least $25,000 in property damage liability. While things like zip code and age of the driver might be factors that influence car insurance rates that you cannot control, there are several factors you can control that will have an impact on lowering your rates.
If you drive an older or used car, this will result in lower premiums. Also people who avoid accidents, speeding tickets and DUIs will have lower premiums as well. Have a clean driving record in order to get the cheapest insurance rates possible. Use a reliable auto insurance brokers to help you find the best deal on auto insurance coverage.