Car Insurance in North Little Rock
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What Driving is Like in North Little Rock
Home to just over 64,000 people. North Little Rock, Arkansas, is known as a vibrant, bustling city with such attractions as North Little Rock Historic District and Murray Park. There are several other parks in the area as well, making it an excellent place for people who love outdoor activities. Couple that with a cost of living that is 19.3% lower than the national average, and it's easy to see why people love living and driving in the area.
The Central Arkansas Transit Authority serves the North Little Rock Area and provides several bus routes. Additionally, a trolley service is available to take residents or tourists to local attractions. Despite the public transportation options, nearly 84% of the city's residents use their own vehicles.
Residents of North Little Rock pay an average of $1,993 per year for auto insurance. This is slightly less than the national average of $2,014 per year for full coverage. Several factors determine how much car insurance costs, including whether your neighborhood is susceptible to break-ins, how often you drive, your credit score, how long you've been driving and even the type of car you own.
Different Types of Auto Insurance
Liability coverage is the most common type of coverage and is required in most states. Your car insurance in North Little Rock must include minimum liability coverage of $25,000 per person (a minimum of $50,000 per accident). You must also carry a minimum of $25,000 to cover any property damage done as a result of you being at fault in an accident.
There are several other types of auto insurance to consider as well. Another common one is uninsured and/or underinsured motorist coverage. This protects you if someone causes an accident but does not have enough insurance to cover your medical bills or damages to your vehicle.
Other types of insurance include collision, comprehensive and medical payment coverage. Collision covers you if you are in an accident with another vehicle or guardrail and covers your car if it needs to be repaired or replaced. Comprehensive insurance protects you from non-accident emergencies, such as a fire or severe weather. Finally, medical payments pay for accident-related bills for you and your passengers, no matter who was at fault. It also protects you if you are a passenger or pedestrian in an accident.
Choosing Car Insurance in North Little Rock
You must consider several factors when choosing the right North Little Rock car insurance. First, consider how much coverage you need. Many times, the amount required by the state is not enough to cover an accident, especially a serious one. For this reason, it's a good idea to consider some of the additional coverage options mentioned above.
Consider what other insurance policies you have as well. If you can bundle policies with one insurance company, you may be able to save money. Think about this if you have or need home insurance, life insurance or any other types of policies.
Finally, think about your financial and driving history. If you have a poor credit score, some insurers will consider this and charge you more. The same can be said if you drive many miles per year or if you've been known to get into fender-benders.
Compare Insurance in a Way That's Easy For You
Finding car insurance in North Little Rock, Arkansas, doesn't need to be a time-consuming process. VIU by HUB allows you to input information about you, your lifestyle and your vehicle and receive personalized quotes in just seconds. You can even sync and track all of your policies to keep yourself organized.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
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