- What are the hours of business for Action Insurance?
- Where is Action Insurance located?
- Can I call to make changes or get an insurance quote?
- Can I get a car insurance quote online?
- Does this company cover life insurance?
- Are foreign drivers licenses accepted?
- Do I need prior insurance?
- Are you an Independent Agent?
- How do I manage my account/policy?
General Insurance Information
- What kinds of questions should I be expected to answer when I’m applying for an insurance?
- What are the advantages to using an agent to purchase insurance?
- I have an older car whose current market value is very low – do I really need to purchase car insurance?
- What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
- What factors can affect the cost of my car insurance in Arkansas?
- Do I need to start a new policy to add a driver or vehicle?
- What are some practical things I can do to lower the cost of my home insurance?
- What does homeowners insurance cover in Arkansas?
- What is the difference between “actual cash value” and “replacement cost”?
- What factors should I consider when purchasing homeowners insurance?
- What are the policy limits (i.e., coverage limits) in the standard homeowners policy?
- Where and when is my personal property covered?
- Do I need earthquake coverage in Arkansas? How can I get it?
What are the hours of business for Action Insurance?
Hours of business for both the Conway and Greenbrier office are from 9:00 AM to 5:00 PM Mondays thru Fridays
Where is Action Insurance located?
The Conway, AR Location is:
2455 Washington Ste. 102
Conway, AR 72032
The Greenbrier, AR Location is:
112 S Broadview Ste D
Greenbrier, AR 72058
Can I call to make changes or get an insurance quote?
Yes! Call 501.327.1612 to get a quote.
Can I get a car insurance quote online?
Yes. Please use our online quote service here.
Does this company cover life insurance?
No. But we do cover a variety of other insurance policies such as:
Are foreign drivers licenses accepted?
Do I need prior insurance?
Are you an Independent Agent?
Yes. We are a Progressive Authorized Independent Agent
How do I manage my account/policy?
Please go to “Account Management” and click on your insurance provider.
What kinds of questions should I be expected to answer when I’m applying for an insurance?
When you apply for an insurance policy at Action Insurance, you will be asked a number of questions. For example, Action Insurance might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to make a claim.
When Action Insurance is deciding whether or not to offer car insurance to a potential customer, we want to know about your previous driving record, whether they have any recent accidents or tickets, and what type of car will need to be insured.
Action Insurance offers a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, Action Insurance will need basic information about you.
In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in Conway who commutes 30 miles each way is more likely to be in an accident, than someone who commutes via bus and only drives on weekends.
By using an independent agent such as Action Insurance, the policyholder receives more personalized service. Having direct contact with Action Insurance can be very important when purchasing insurance, and absolutely necessary when filing a claim. Action Insurance is able to deliver quality insurance in Conway, AR with competitive pricing and local, customized service.
Most states have insurance laws that require drivers to have at least some car liability insurance. These laws were enacted to ensure that victims of car accidents receive compensation, when their losses are caused by the actions of a negligent individual.
Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.
Collision is defined as losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.
Comprehensive provides coverage for mostly other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
A number of factors can affect the cost of your car insurance in Arkansas – some of which you can control and some that are beyond your control.
The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your car insurance will cost you in Conway, AR.
Even your marital status can affect your cost of insurance. Statistics show that married couples tend to have fewer and less costly accidents than those who are single.
No. You can simply update your current policy to reflect your current situation. We’ll help you with any changes, too.
There are a number of things you can do to lower the cost of your homeowners insurance. The easiest thing to do is request a comprehensive review of your policy and your needs from Action Insurance.
It’s not surprising to find quotes on homeowners insurance that vary by hundreds of dollars for the same coverage on the same home. When you shop, be careful to make sure each insurer is offering the same coverage.
Another way to lower the cost of your home insurance is to look for any discounts that you may qualify for. For example, many insurers will offer a discount when you place both your car and homeowners insurance with them. Other times, insurers offer discounts if there are deadbolt exterior locks on all your doors, or if your home has a security system. Be sure to ask Action Insurance about any discounts that you may qualify for.
Another easy way to lower the cost of your homeowners insurance is to raise your deductible. Increasing your deductible from $250 to $500 will lower your premium, sometimes by as much as five or ten percent.
The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.
Covered losses under a homeowners policy can be paid on either an actual cash value basis or on a replacement cost basis. When “actual cash value” is used, the policy owner is entitled to the depreciated value of the damaged property. Under the “replacement cost” coverage, the policy owner is reimbursed on an amount necessary to replace the article with one of similar type and quality at current prices.
There are a number of factors you should consider when purchasing any product or service, and insurance is no different.
Below is a checklist of things you should consider when you purchase homeowners insurance:
- Determine the amount and type of insurance you will need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from Action Insurance will be less than the full cost to replace your home – you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.
- Decide which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?
- Once you have decided on the coverage you want in your homeowners insurance policy, please consult us at Action Insurance. Action Insurance will be able to help you determine if there are any gaps in coverage that you might not have been aware of, explain the details of the policy’s exclusions and limitations, as well as recommend an insurance company that will live up to your expectations.
Note: this answer is based on the Insurance Services Office’s HO-3 policy.
The home and other structures on the premises are protected on an “all risks” basis up to the policy limits. “All risks” means that unless the policy specifically excludes the manner in which your home is damaged or destroyed, there is coverage. The policy limit for the home is set by the policy owner at the time the insurance is purchased. The policy limit for the other structure is usually equal to 10% of the policy limit for the home.
Losses to your personal property are covered on a “named perils” basis. “Named perils” means that you have coverage only when your property is damaged or destroyed in the manner specifically described in the policy. The policy limit on the coverage is equal to 50% of the policy limit on the home. Limits for the coverage of additional expenses that the policy owner may incur, when the residence cannot be used because of an insured loss, is equal to 20% of the policy limit on the home.
The coverage limit on personal liability is determined by the policy owner at the time the policy is issued. The coverage limit on medical payments to others is usually set at $1000 per injured person.
Personal property (except property that is specifically excluded) is covered anywhere in the world. For example, suppose that while traveling, you purchase a dresser and you want to ship it home. Your homeowners policy would provide coverage for the “named perils” while the dresser is in transit – even though the dresser has never been in your home before.
If you live in an apartment or a rented house, renters insurance provides important coverage for you and your possessions in Conway, AR. A standard renters insurance policy protects your personal property in many cases of theft or damage, and may pay for temporary living expenses if your rental is damaged. It can also shield you from personal liability. Anyone who leases a house or apartment should consider this type of coverage.
A renters insurance policy provides named perils coverage. This means that the policy only pays when your property is damaged or destroyed by any of the ways specifically described in the policy. These usually include:
- Fire or lightning
- Windstorm or hail
- Vandalism or malicious mischief
- Falling objects
- Weight of ice, snow, or sleet
- Accidental discharge or overflow of water or steam
- Sudden and accidental damage from artificially generated electrical current
- Volcanic eruptions (but this doesn’t include earthquake or tremors)
Renters insurance coverage applies to your personal property no matter where you are in the world. This means you’re covered when you are on vacation as well as at home.
Standard renter’s policies cover only you and relatives that live with you. If your roommate is not a relative, each of you will need your own renter’s insurance policy to cover your own property and to provide you liability coverage for your own actions.
The personal umbrella liability policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies – home, car, boat, RV, etc., so you have a higher personal liability limit, than what would otherwise be available. In certain circumstances, an umbrella insurance policy may provide personal liability coverage that is otherwise excluded from your other policies. For example, an umbrella insurance policy provides coverage anywhere in the world, whereas your car insurance policy usually provides coverage in only the US and Canada.
It used to be that the only people who needed personal umbrella liability policies were wealthy individuals, who had sizable amounts of personal assets that would be at risk in a lawsuit.
However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since those with modest incomes are even less able to pay damages than a wealthy individual, Action Insurance recognizes the need to provide coverage limits greater than what can be obtained from their homeowner insurance or car insurance policies.