Action Insurance Agency in Conway, AR with Reviews -
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By: Angelique E.
Ott Insurance
one of their policy holders wrecked my vehicle and they are dragging their feet about a rental car... meanwhile I am coming out of my pocket and talking with lawyers
By: Jerry L.
Tori Uhiren - State Farm Insurance Agent
Tori is by far the best agent in town. She cares about everyone one of her customers and her staff is very knowledgeable.
By: Lia C.
Ott Insurance
Still waiting on a quote from Redessah Graham....was under the impression my car salesman obtained one on the day my son purchased his auto over a month ago...then contacted ott over 2 wks ago and gave my email and phone number and spoke w Redessah myself, called back again next day to be told they didn't have my info but would get right back w me...and I'm still waiting...I've been w Ott for years, Michelle Allen has been my agent but is also my son in laws mother and I'm trying to get away from the business w family situation. I'm also going through divorce and trying to change the policy to remove my soon to be ex, and add my son,..I understand this isn't a common request , but find it hard to believe that it's an impossible task.
By: janicer1
Jay Bernard - State Farm Insurance Agent
Thank You for being the best insurance agent I have ever had!!!!! :]
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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