Cleveland, Arkansas is a moderately populated area. Its population is fairly young. In fact, most of its inhabitants are between the ages 16-30. As it is, young drivers tend to dominate the main thoroughfares of this city.
Although serious road accidents are not very common around Cleveland, most insurance companies around this area advice their clients to get more than the minimum coverage required by law. According to them, minimum bodily injury liability of $25,000 per person injured and minimum property damages coverage of $25,000 may not be enough to pay for all expenses resulting from a typical road accident.
Do you really need higher coverage? Yes, you do. Bear in mind that the state of Arkansas is a tort state which means that drivers who are at fault in the accident are liable for all the damages suffered by parties involved. This means that if you are proven to be at fault in a multiple car accident, you could end up paying thousands of dollars in personal injury and property damages not to mention litigation cost and other incidental expenses! As it is, the minimum coverage required by law may not be enough to bail you out of trouble. To avoid potential financial debacles, it is crucial that you get higher coverage. Don’t worry; there are a lot of insurance firms around Cleveland that offers low cost policy so you need not spend a fortune on your vehicle insurance.
Aside from advising their clients to get higher coverage, most Cleveland insurers also suggest that drivers get First Party Benefits. How do first party benefits work? First party benefits are designed to protect you. It covers your medical expenses, loss of income/wages due to the accident and accidental death. The best part about this type of coverage protects you regardless of who is at fault in the accident.
Is it possible to get premium discounts from Cleveland insurers? Yes, you are able to get discounts from insurers if you have a good driving record. Most companies love drivers who have not figured in any road mishaps in the last three years so if you have been accident free for this duration, you could get as much as 15% discount on premiums. Moreover, if you have taken a government approved safe driving course, you can use your certificate to bargain for discounts. Even if you have been involved in a road accident lately, some insurers will still consider giving you discounts if you can show them that you have successfully completed the safe driving course.