If the car lot won't let you drive off until you show proof of insurance, you're in the right place. We can usually get you a policy and proof of coverage the same day, often in just a few minutes over the phone, so you can take your car home.

📞 Call or Text 479-373-6253 Or walk in, 955 Highway 412 West, Siloam Springs 72761

**Talk to a real, local agent.**

I'm right here in Siloam Springs and I help people in exactly your situation every day. Give me a call and we'll figure it out together, no judgment.
**Jacob Gunter, Ace Auto Insurance**

Why the lot needs proof before you drive off

When you finance a car through a buy-here-pay-here dealer, the lot still has a stake in that vehicle until it's paid off. To protect it, most lots require full coverage (liability plus comprehensive and collision) before you leave with the car, not just the basic liability the state of Arkansas requires. That's normal, and it's nothing to stress about. We do this every day: we write the policy, then get proof of insurance straight to you (and to the lot, if they need it) so the deal can close today.

Low money down, and you don't need a bank account

We know money's tight when you're buying a car, so we shop multiple companies to find you a low down payment & monthly plan. And you don't need a checking account or good credit to get covered with us.

We accept: Cash • Chime • Cash App • most prepaid & debit cards.
No bank account needed. No credit check options available.

We work with all kinds of drivers

You don't have to have a perfect record or a long history to get insured. We regularly help people who are:

Driving on an international driver's license
Coming off a lapse in coverage
Working through a rough driving record or past tickets
Buying their first car and starting fresh

No judgment here. Tell us your situation and we'll find what works.

How it works

Call, text, or walk in. Tell us you just bought (or are about to buy) a car from a lot.
We get you a fast quote. We compare multiple companies to find you a low rate and a low down payment.
Pay however's easiest. Cash, Chime, Cash App, or a prepaid card, your choice.
Get your proof of insurance the same day and drive your car home.

What to have ready

Your driver's license or ID (international licenses are fine)
The car's info, the VIN or the paperwork the lot gave you
Your down payment

Don't have everything in hand? Call us anyway, we'll tell you exactly what you need.

📞 Get Covered Now, 479-373-6253
Same-day coverage • Low money down

Common questions

Can I really get car insurance the same day I buy a car?

Yes. In most cases we can write your policy and give you proof of insurance the same day, usually within a few minutes, so you can drive your car off the lot. The fastest way is to call us at 479-373-6253.

Do I need full coverage for a buy-here-pay-here car?

Almost always, yes. Buy-here-pay-here lots typically require full coverage (comprehensive and collision on top of liability) to protect the car until it's paid off. We'll set you up with exactly what your lot is asking for.

Can I get insurance without a bank account?

Absolutely. You don't need a checking account to insure your car with us. We accept cash, Chime, Cash App, and most prepaid and debit cards.

How much money do I need for a down payment?

It depends on the vehicle and coverage, but we specialize in low-down-payment options and will shop multiple companies to find you the lowest one available. Call for a free quote and we'll give you a real number.

Can I get insurance with an international driver's license?

Yes. We regularly help drivers with international licenses get covered in Siloam Springs. Bring your license and we'll take it from there.

What if I've had a lapse in coverage or a rough driving record?

That's okay, it's a lot of who we help. A lapse, past tickets, or a less-than-perfect record won't stop us from finding you coverage. Give us a call and tell us your situation.

Ace Auto Insurance, Siloam Springs
955 Highway 412 West, Siloam Springs, AR
479-373-6253
[HOURS Mon-Fri 9am-6pm, Sat 10am-1pm] • Walk-ins welcome