When choosing your auto insurance, cost is always an issue. But, it is essential to understand that by choosing basic auto insurance, you may not get the coverage you require to protect yourself. The Owens Agency LLC in Waldron, AR is an independent insurance agency that provides the necessary service. 

Basic auto insurance in Arkansas

In Arkansas, drivers are required to carry liability coverage. The basic amount mandated is 25/50/25. This is $25,000 for injuries to one person in an accident. If more than one person is injured, the total is $50,000. Personal property must be covered for $25,000. With the current emergency and hospital care cost, this could be very inadequate. 

Basic insurance will not be enough for those who have an auto loan or are leasing. You will have to protect the vehicle itself. This requires having insurance on the car in the form of collision and comprehensive. 

Protecting your vehicle

For most people, your vehicle is vital to your everyday life, and ensuring it is covered for damage means that it can be repaired. If your car is old and has little value, then basic insurance may be the right choice for you, but for most people, it isn’t. Collision coverage protects your vehicle if it is damaged in an accident you are responsible for or by a hit and run. Comprehensive coverage protects from theft, vandalism, and various weather events, including hail, high wind, floods, and collision with a deer or other large animal. 

Contact The Owens Agency LLC in Waldron, AR when you are in need of auto insurance and advice. Stop by our office, or give us a call to get a no-obligation quote.