Month: December 2016

Do You Really Need Auto Insurance?

Posted on by agentinsure

Some people go back and forth about whether they need auto insurance in NE Arkansas. There are many benefits to having auto insurance, and it is also a legal requirement in the state. Whether you think you can afford it or not, it is something you will want to have so you can protect yourself.

What Happens When You Do Not Have Auto Insurance?

In the state of Arkansas, you have to have the minimum amount of auto insurance that is required by the state. If you do not have at least the minimum, you can face a lot of potential penalties including fines, loss of your license, loss of your registration, possible jail time, and more. If you are caught more than one time without it, the penalties are even steeper.

What is Required in NE Arkansas?

In Arkansas, you are required to at lease have liability coverage that is equal to the following limits:

  • $25,000 coverage for bodily injury to or death of one person in any one accident
  • $50,000 coverage for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit
  • $25,000 coverage for injury to or destruction of property of others in an accident

What If You Cannot Afford it?

Even if you think you cannot afford auto insurance, there is always an available option for you. Also, you will end up paying a lot more if you are caught driving without it than you would pay for the auto insurance. Having auto insurance is also good if you want to protect yourself from other drivers on the road.

Contact GTW Insurance, serving NE Arkansas, today for more information, and so we can get you a quote that meets state requirements and you budget.

Why Home Insurance Makes a Difference

Posted on by agentinsure

Your home is an emotional investment as well as a financial one. It’s a well-known fact that construction workers enjoy working on commercial properties much more than residential ones because homeowners just tend to be a lot more persnickety for the place where they raised their children or proposed to their spouse. Home insurance is that safety net that allows you to keep and rebuild the place that you love so much, and it can truly make the difference in times of crisis. 

Expectations and Reality 

Natural disasters happen everywhere, including NE Arkansas. We all know this, but the practical nature of those accidents are typically pushed aside in lieu of the more pressing events of the day. We would drive ourselves crazy if we always had to be constantly on edge for the next horrible thing to happen, and we would probably limit our productivity throughout the day too. The problem is that GTW Insurance knows this type of thinking lures us into assuming we’re safe, when really we know that reality means that circumstances can change in the blink of an eye. Home insurance makes a difference because it can make sure that we don’t end up in a situation we can’t get out of when things go wrong. 

Finding the Right People 

In NE Arkansas, you need someone who can walk you through the many parts of home insurance. There’s a lot to remember and consider, and having someone who can actually explain why you need a certain policy can really help you feel better about your choices when you make your final decision as well as your future should something go wrong. Give GTW Insurance a call today to find out more about how we can make it easier for you.