What Kind of Auto Coverage Do You Really Need?

Purchasing auto insurance can be a challenge, especially for new drivers. The first step to selecting a policy is determining what kind of coverage you need. At Foresee General Insurance Agency, Inc. in Harrison, AR, we offer a variety of coverage options to meet your needs. Here’s what you should know about auto insurance options in Arkansas.

Required Auto Insurance Coverage in Arkansas

Arkansas requires that drivers carry minimum liability coverage to pay for injuries and property damage to others in accidents they cause. Minimum coverage, however, is just a start. To protect your assets against serious accidents, you’ll need more than the minimum liability coverage. Otherwise, you could wind up paying thousands of dollars’ worth of damage out-of-pocket.

Optional Auto Coverage

If you own a costly vehicle, you’ll also want insurance protection for your investment so you don’t have to pay for damages on your own.

  • Collision and comprehensive are optional insurance that covers your vehicle in an accident. Collision insurance covers repairs to your car if you crash into another vehicle or object (other than animals). Comprehensive insurance protects you against theft, animal strikes and damage caused by inclement weather (wind, hail, snowstorm, etc.).
  • Uninsured/underinsured motorist coverage helps pay for damage to your vehicle if you’re hit by another driver who has little or no insurance coverage.
  • If you’re into road trips, you may want roadside assist coverage to pay for towing and minor repairs in case your car breaks down in the middle of nowhere.

When selecting auto insurance coverage, consider the value of your vehicle, your lifestyle, and your driving habits and choose the coverage that provides the best protection for you. To learn more about your auto insurance options and costs in Harrison, AR, contact Foresee General Insurance Agency, Inc.