Looking for Auto Insurance in Fayetteville?
McNair and Associates has you covered. We can help you with standard auto insurance, as well as car insurance for collector cars. If you have had accidents or violations, we have carriers that can help you.
Whether you live in Fayetteville, or any other part of Arkansas, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car. It could involve bodily injury or property damage to others that you may have cause. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.
You’re at risk every single time you get into your car.
It’s important to understand what your coverage options are — not just for your car, but for you as well as others who may be injured as a result of your negligence.
Having adequate Car Insurance limits is serious business
If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you are not properly insured. A lot of people don’t realize that having great coverage doesn’t necessarily mean having higher insurance premiums.
Because McNair and Associates is an independent agency, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.
While most policies look the same, there could be costly differences. Let us help you choose the correct coverage for your needs. You need someone who truly understands policy language so you can rest easy knowing that you have the best possible coverage at a fair price.
Important Auto Insurance Coverages
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
Let us clarify a few of the more important ones for you:
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This part of your policy pays the other party for medical bills and related expenses or loss of income if they miss work. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide.
Property Damage Liability
Suppose you damage a car, house, or some other property that belongs to someone else. This part of your policy compensates the other person for that damage.
This coverage protects your car in the event that something else damages your car. For example, theft, a rock that cracks your windshield, an animal you might hit or a hail storm.
This is the part of your policy that covers your car in the event you damage the car itself, as a result of an accident with a fixed or moving object such as another car, a curb, a house, a guard rail, etc.
Un-insured & Under-insured Motorist
This coverage pays you, in the event that you are injured by another party who has inadequate insurance or is uninsured. This is a very important part of your auto policy because you have no control over how much insurance other people carry, if any.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Young drivers and more mature drivers statistically have a greater loss frequency and are therefore more at risk for financial loss due to an auto accident.
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining your rate
Driving History — your driving record and loss history plays a substantial role in the cost of your policy. All insurance companies will review your driving history from the last three years and weigh your driving history when establishing a rate.
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the family who are young the overall pricing in the household will be impacted.
How to get started with your car insurance quotes
If you live in Fayetteville and are looking for a car insurance comparison, McNair and Associates makes the process of finding the best company and price easy. We do all the heavy lifting for you!
To get started, call our office directly, or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!