Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Arkansas Insurance Guide

Arkansas offers great activities, stunning vistas, and a lot of outdoor fun. But it also has some state insurance regulations that residents should be aware of.

Arkansas Auto Insurance

Arkansas auto insurance requirements are slightly different than many other states. They are one of the few states that require drivers to carry personal injury protection (PIP). In addition, they require bodily injury liability of at least $25,000 for single-person injuries and $50,000 for accidents with multi-person injuries. Their property damage liability minimum is $25,000.

Arkansas auto insurance shoppers will also be interested to note that Arkansas is not a no-fault state and they do not require uninsured motorist coverage.

Arkansas Health Insurance

Arkansas health insurance is not guaranteed to be issued to all residents. Instead, insurers have the ability to decline or waiver pre-existing conditions. In order to help consumers who have been declined or can’t afford the coverage they are offered, Arkansas has instituted a high-risk pool. If an Arkansas health insurance customer would like a high deductible plan with a health savings account (HSA), they might be happy to find out that HSA contributions are deductible from state income taxes.

Arkansas health insurance regulations allow for groups as small as 2 people to be issued group health insurance coverage. The rates of groups with 25 or fewer people in Arkansas are protected by state rate bands. Pre-existing conditions can be exempted from group policies for up to 12 months if the newly insured was uninsured for 63 or more days during the prior 6 months.

Arkansas Home Insurance

When it comes to Arkansas home insurance, the state has done a great job in regulating its insurers and making sure information is disclosed to the public. There are no requirements that homeowners have insurance (except by individual lenders), but it is suggested that those who buy Arkansas home insurance pay special attention to the coverage they receive for earthquakes, hurricanes and tornadoes since those are the most common natural disasters to befall Arkansas residents.

Arkansas Life Insurance

The state developed its Arkansas Life and Health Insurance Guaranty Association in 1989 to answer the concerns of consumers that their insurance company might become insolvent and be unable to pay claims. While the state guaranty association does not guaranty the total policy or death benefit value be paid to Aransas life insurance customers with an insolvent insurer, they do guaranty a maximum payout of $300,000 for a death benefit and for cash surrender value in the event that an insured or beneficiary finds their life insurance company insolvent.

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