North Little Rock Car Insurance

In North Little Rock, AR, there are roughly 65,911 residents that make up this mid-sized town. When you're one of them and own a vehicle, you'll be required to have certain auto insurance coverages. To get the best policy options, consider using a professional. 

An independent insurance agent can help with auto coverages and ensuring that they meet state guidelines. They have access to multiple markets, so you have choices. Connect with a local expert for quotes. 

Auto Insurance Requirements in North Little Rock, AR

In North Little Rock, AR, you are required by law to carry auto insurance. There are minimum limits you must obtain to stay compliant with local mandates. Check out the required auto insurance for North Little Rock, AR:

• A minimum liability of $25,000 per person/ $50,000 per accident/ $25,000 property damage.  

While the minimum limits are all that is required, they are not the only coverage you may need. Often, the lowest options will not be enough to protect against an average claim. Consider reviewing your auto insurance with a knowledgeable professional.

Coverage Options in North Little Rock, AR

North Little Rock, AR, has specific requirements for liability insurance, but what about the rest? Your vehicles and other roadside coverages are not automatically included. In the meantime, check out some options:

• Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
• Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
• Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
• Comprehensive coverage: Will pay for property damage to your vehicle if it hits an unavoidable obstruction or is damaged in a non-collision event such as a fire or hailstorm.
• Collision coverage: Pays for property damage to your car in the event of a crash.

The national average of uninsured drivers in the US is 13.0%. In Arkansas, it's at a whopping 16.6% of all drivers on the road. To have protection for a loss, uninsured/ underinsured motorist coverage is necessary. It will pay for a claim when another driver is at fault and doesn't have insurance.

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What Impacts Your Auto Insurance Premiums in North Little Rock, AR?

Your personal data and other outside elements are used when setting your insurance premiums. Carriers look at numerous items, which makes your pricing different from anyone else. Check out rating factors the insurance companies use below:

• The coverages you choose
• Policy discounts that may apply 
• Your claims history
• Your insurance score
• Catastrophes reported 
• Local crime rates 
• Your driving record

In addition to the above points of interest, companies look at other things outside your control. Local weather and crime will play a part in your costs. Let's take a peek at the theft rates per 100,000 people:

• National average: 228.90
• Arkansas average: 236.00
• North Little Rock average: 435.10

Another way to start saving now is by bundling. When you bundle your auto and home insurance with the same carrier, you'll save big. Premiums go down on average of 30% or more. 

Uber and Other Rideshare Services in North Little Rock, AR

North Little Rock is a mid-sized city, and rideshare services may be appealing. If you drive for Uber to make some extra cash, there are some things you need to know. For instance, you won't have coverage under a personal auto policy. 

Commercial auto insurance is necessary when you drive for one of these delivery companies. Since you are transporting people or parcels for a fee, you are considered a business. For that, you'll need commercial insurance to be adequately protected.

How a North Little Rock, AR Independent Agent Can Help

Every state has something to say about your auto insurance. Most of them make coverage mandatory on some level. In North Little Rock, AR, you must carry auto insurance to comply with state law.

Fortunately, an independent insurance agent can help. They have access to several markets, giving you options on coverage and premium. Connect with a local expert on TrustedChoice and start saving today.