Do I have too much insurance for my Ford Escape in Arkansas?

I'm well above the coverage limits for Arkansas. My bodily injury limits are $100,000/$300,000 and my property damage limit is $50,000. I also have uninsured motorist coverage, personal injury protection, and full coverage. Should I drop anything?

Answer
“When it comes to car insurance, you can never really be over-insured. Even if you never have to use the coverage you have on your policy, it’s still important to have.
The best thing to do is to look at your financial situation. You should always have the highest level of coverage that you can afford. If you can afford to raise your insurance coverage, you should always do that instead of dropping coverage.
If cost is a concern, you can also shop around. While you have more than the minimum required car insurance in Arkansas, it doesn’t always mean you have to pay more.
Check out various carriers and request car insurance quotes online. You may be able to find a carrier that can offer you a better rate for the coverage you have now.
If you want to save money on car insurance, the Jerry app is a good place to start. “
avatar
Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free