Car Insurance in Pine Bluff, AR
Get around town with confidence when you have car insurance in Pine Bluff, AR.
Pine Bluff has a relatively small population of nearly 40,000 people but is part of the Little Rock metro area. Many residents of Pine Bluff commute elsewhere for work and explore the many outdoor recreational opportunities Arkansas offers. Whether you use your vehicle mainly for commuting, having fun, running errands or something else, car insurance is important.
Pine Bluff has public transit with bus routes, but many residents own cars for more flexibility. In fact, the average household has two cars. and most people drive alone to work. The average commute time is 17.6 minutes one way.
About 14 people are involved in fatal accidents per year in Pine Bluff. Smart driving practices such as not drinking and refraining from phone use can keep everyone safe. Car insurance in Pine Bluff, AR, offers additional peace of mind, too, for both minor and major needs. Use VIU by HUB to get quotes from multiple insurers and simplify your search for the right coverage.
Car owners in Pine Bluff pay $1,659 per year on average, which is more than many other cities in the state. However, insurance can be flexible, especially if you compare multiple quotes and review quotes once a year. You may pay more or less than the average depending on factors such as the following.
For example, teens typically pay more for auto insurance, as do higher-mileage drivers.
If you drive in Arkansas, you need to have a minimum amount of liability insurance. Many car owners opt to go past the bare requirements and get other types of coverage for more protection and peace of mind.
The basic level of coverage is 25/50/25. which offers protection of $25,000 for bodily injury to one person you cause in an accident, $50,000 for all injuries caused in an accident and $25,000 for property damage you cause. Note that this required coverage is liability insurance. Its intention is to cover other people and others' property, not your own.
Many drivers get uninsured/underinsured coverage. In fact, Arkansas requires insurers to offer this coverage, although drivers are not required to have it.
It can come in really useful because, unfortunately, not everyone who drives actually has insurance (or enough of it). If you get in a crash with someone who lacks adequate insurance to cover your injuries, medical bills, property damage and the like, your options for compensation could be limited at best unless you carry uninsured/underinsured coverage.
Drivers often get higher limits for their liability insurance to protect their assets in case of a crash. Otherwise, a serious crash could bankrupt them. For example, someone could get 50/100/50 instead of 25/50/25. You can also opt for collision and comprehensive coverage.
Collision offers coverage if your car is damaged or destroyed in a crash with another car or object such as a fence or tree. It is no-fault insurance so can cover you even if you are at fault. Comprehensive applies in situations such as damage from falling trees or hail, theft, vandalism and hitting deer or other animals. When you use VIU by HUB to compare quotes for car insurance in Pine Bluff, AR, you can simplify the process of reviewing many types of insurance to find competitive rates.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
