Auto Insurance

Looking for Auto Insurance in Northwest Arkansas?

Cribb Insurance Group Inc has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

Whether you live in Bentonville, Rogers, Centerton, Bella Vista, Springdale, 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.

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, and people 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're not properly insured.

What a lot of people don't realize is, having great coverage doesn't necessarily mean having higher insurance premiums.

Because Cribb Insurance Group Inc is 100% independent, 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.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

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:

Collision Coverage

This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you're driving on the highway, an animal you might hit, and so on.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. 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 on.

Un-insured & Under-insured Liability

This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren't carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don't get preferred rates because statistics show that those two age demographics have the most 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 the rate

Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won't get a preferred rate until those things are at least 3 years old

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 house who are under the age of 25, that will impact everyone's pricing in the household

How to get started with your car insurance quotes

If you live in Bentonville, Rogers, Centerton, Bella Vista, Springdale, Fayetteville or any other part of Arkansas and are looking for a car insurance comparison, Cribb Insurance Group Inc makes the process of finding the best company and price easy.

We do all the heavy lifting for you!

To get started, complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!

Frequently Asked Questions

Cribb Insurance Group Inc offers both standard auto insurance and car insurance for collector cars in Northwest Arkansas.

Car insurance covers more than just car damage. It also provides coverage for bodily injuries to others, property damage, and offers liability protection for the policyholder.

Adequate car insurance limits can protect you from financial loss by providing coverage for bodily injuries and property damage caused to others. In the event of an accident where you are at fault, having proper insurance coverage ensures that you won't be personally liable for the expenses.

Cribb Insurance Group Inc is an independent agency that works with various insurance providers. They compare your current coverage with options from different companies to find the best deal that meets your needs. Their services are free, as they are compensated by the insurance carriers directly.

Important auto insurance coverages to consider include collision coverage (for damages to your car in an accident), comprehensive coverage (for non-collision damages like theft or windshield cracks), property damage coverage (for damages caused to others), bodily injury liability (for medical expenses of other parties), and uninsured/underinsured liability (protection if injured by a party with inadequate coverage).

Please complete the form below for a quote.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Cribb Insurance Group Inc is here and ready to make the process as painless as possible. We look forward to meeting you!