The Arkansas Office of Motor Vehicles (OMV) is serious about auto insurance in Arkansas. All Arkansas auto insurance companies report the policies to the state, which then compares this to the database of Arkansas vehicles based on the vehicle identification number. If you do not have valid Arkansas car insurance, your vehicle registration is suspended.

Because of this, Arkansas business owners need to make sure that they stay up to date with their car insurance. Arkansas insurance providers can help you find a policy that is best for you.

All employees who will drive company-owned vehicles must have coverage under the Arkansas automobile insurance policy. Many companies find it convenient to store the proof of Arkansas car insurance in the glove compartment in case of emergency.

Before checking Arkansas auto insurance rates, you should:

1. Determine the amount of Arkansas auto insurance you wish to purchase. There is a state minimum requirement, but many business owners purchase a higher level of insurance for additional security.
2. Count the number of employees that require car insurance. Arkansas companies must cover all employees driving their vehicles.
3. Know the minimum amount of Arkansas car insurance required by the government.
   

Action Steps
The best contacts and resources to help you get it done

Receive Arkansas auto insurance quotes from several companies

You can easily receive quotes from several Arkansas auto insurance providers by filling out an online form. This allows you to compare the rates of several leading companies.

I recommend: You can receive rate quotes from Insurance.com or Esurance.com.

Choose the best Arkansas automobile insurance company for you

It's important to weigh your company's needs with the various services offered by Arkansas automobile insurance companies. The company with the lowest rate does not always offer the best service.

I recommend: Companies who are interested in a high level of service should consider choosing State Farm as their insurance provider. Geico is a great option for those who are cost-sensitive.

Purchase enough coverage to satisfy your company's needs

All states require a certain level of coverage. Auto insurance in Arkansas must cover a minimum of $25,000 for injury or death of one person in an accident, $50,000 for injury or death of more than one person in an accident and $25,000 for property damage. Many companies purchase a higher level of coverage for security.

I recommend: A coverage calculator can you to determine the amount of coverage that your company needs based on several factors. You can use the coverage calculators provided by AIG insurance or CarInsurance.com.

Ask for a discount from your Arkansas auto insurance company

Many Arkansas car insurance companies offer discounts for a variety of reasons. By checking to see if you qualify for these discounts, you'll ensure that you are getting the best deal.

I recommend: Geico lists their various discounts on their website.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  You can often get a discount when you buy different insurance policies from the same company. If you already have an insurance provider, ask if they also provide auto insurance in Arkansas.
• •  Many dealerships require a high level of insurance for financed cars. Check your dealership to see the level of insurance they require.