Car Insurance in Rogers, AR
Drive confidently in the Ozarks with car insurance in Rogers.
Many people enjoy life in Rogers, thanks to its work opportunities, proximity to other regions and possibilities for outdoor recreation. The population of 73,000 people does belie the fact that the city is part of a quickly growing region.
More people mean more drivers and a higher risk of accidents. It is important to review your insurance coverage regularly to check that it meets your needs. While the area has public transit, cars offer residents more freedom and flexibility. One nice thing about Rogers is the below-average commute time. Workers tend to spend about 16.4 minutes on their drives one way while the U.S. average is 26.4 minutes.
About 12 people are involved in fatal accidents in Rogers per year. Safe driving techniques such as avoiding smartphone use and driving more slowly in bad weather can help a lot. Car insurance in Rogers also offers additional protection.
Reviewing your policy and comparing quotes at least once a year with VIU by HUB is a good way to make sure you're paying a competitive rate and that your coverage still works for you. When you choose coverage options and compare quotes, here are some factors to consider.
Arkansas mandates basic liability coverage for all car owners. The insurance applies if you are at fault in an accident and breaks down as 25/50/25. It means you must have at least $25,000 in bodily injury protection that applies for one person's injuries, $50,000 in bodily injury protection per accident and $25,000 for damage to property.
You can increase these dollar limits if you want more complete coverage. Many motorists do this. They may also purchase other types of insurance such as collision and comprehensive.
When you shop for insurance, you should also be offered uninsured and underinsured motorist coverage. You are not required to carry this insurance, but the law mandates insurers to offer it because it is a good idea. Not all drivers have insurance despite widespread legal requirements. Being involved in an accident with someone who is uninsured or underinsured can hit you hard financially if you lack the proper types of insurance.
Other types of optional insurance include collision and comprehensive. If you have a loan on your vehicle, lenders may require you to have that coverage until you own the car outright.
Collision offers coverage to repair or replace your car in case of accidents with other vehicles or objects, regardless of fault. Comprehensive applies to other cases such as vandalism, fire or contact with a deer. Compare your options for car insurance in Rogers today with VIU by HUB to save money on your policy.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
