Question 1

How long does it take to get my insurance quote?

Accepted Answer

With our online quote process, we ask only the most important questions to be able to give you a general quote in about 10 minutes. Or you can call the office, get more information for a more accurate quote. The best part is, all of our quotes are 100% free with no obligations of purchase.

Question 2

Why do I need car insurance?

Accepted Answer

Two big reasons: 1. It is required by law and 2. It protects you and your financial assets in the event of a costly accident. Insurance is a funny product – you buy it, but hope to never have to use it. Also are you aware 1 in 4 Arkansas drivers have no auto insurance? You being covered will help if they are not.

Question 3

How much insurance coverage do I need?

Accepted Answer

Arkansas state laws require that you carry a minimum level of liability auto insurance coverage. However, with car insurance, the more coverage you have, the less it will cost you out of pocket if you get in an accident.

Question 4

Can you drive a new car off the lot without insurance?

Accepted Answer

Driving without car insurance coverage is illegal, so you’ll need to make sure you are covered before you drive your new car off the lot. … However, even if you need to adjust your insurance for your new car, your current policy may cover you for a short period of time after the purchase of a new vehicle.

Question 5

Does my car insurance cover my rental car?

Accepted Answer

If you have personal car insurance with comprehensive, collision and liability, it most likely will cover your rental car. But you can always call your insurance carrier to verify.

Question 6

What does a homeowners policy cover?

Accepted Answer

Unless the cause of loss is excluded in the policy, a homeowners policy provides coverage for personal liability, medical payments to others, and accidental direct physical loss to your dwelling.  In addition, the policy provides coverage for your personal property for specific perils including, but not limited to: fire, lighting, windstorm, and hail.

Question 7

Do I have to add my child on to my auto insurance policy?

Accepted Answer

Any licensed driver in the household needs to be listed on your insurance policy unless they have their own vehicle insurance.

FREQUENTLY ASKED QUESTIONS