The laws around auto insurance in Arkansas are unique and little complex as compared to other states in United States of America. However, the main point to remember is the minimum car insurance coverage which is 25/50/25 in the State of Arkansas meaning USD 25000 for physical bodily injuries per person with a limit of USD 50000 per accident and another USD 25000 for property damage coverage.
Arkansas State has high minimum car insurance coverage and hence insurance cost is also higher. But there are other factors also which can increase your insurance cost like age of your car, your own age, the type of your car, safety gears in your cars etc. Insurance company always does a risk profiling before estimating your insurance premium. Also, keep a track of your driving record because premium on renewal of your insurance depends on your driving history.
Who does not want to get a low cost car insurance coverage? In Arkansas State it is not very difficult to find an insurance company which gives you low cost car insurance and yet provides you sufficient insurance coverage. The key lies in doing the right research on the rates quoted by insurance providers and nailing the right one. A good advice would be to take all your insurance coverage like home insurance, health insurance etc. from the same insurance company and in the bargain ask for a good discount. Did you ever notice that monthly premium payments are costlier than annual payments? This is also an avenue to reduce your insurance cost. Always maintain your car and your renewal insurance cost will automatically come down.