Guide to Arizona Car Insurance
Searching for the right Arizona car insurance that satisfies your needs and that doesn't break the bank requires knowledge. This doesn't mean you have to know the insurance industry up and down, it simply means you need to know what is required of you, the types of policies, a few tips on how to save money and a quick and convenient method of comparing rates. Fortunately, you have all this and it is all easily accessible. The internet provides virtually all the information a shopper of Arizona car insurance will need.
Take a few moments to read through the information below and you will be well on your way to quality car insurance.
Arizona Car Insurance Rules and Regulations
The state minimum requirements in Arizona are rather low compared to other states and provide liability protection only. The policy you need to purchase is liability coverage with bodily injury limits of $15,000 per person and $30,000 per accident, as well as $10,000 worth of coverage for property damage. Uninsured motorist coverage is also available in the state but it is not necessary. Arizona is a Tort state, so you retain the right to sue if you are involved in an accident and someone must be found at-fault in an accident. This also means you can be sued and is one of most important reasons you should have a quality auto liability insurance policy.
Cheap Arizona Car Insurance Policies
Do you want a really cheap Arizona car insurance policy? Then all you have to do is purchase an older vehicle and get a policy that meets the state minimum requirements with no other coverage options or add-ons. If you need to purchase collision and comprehensive insurance as well for your vehicle, then make sure you are getting only the coverage that is required of you. Consult with your lender as to what they require and refuse all attempts from insurance companies to sell you add-ons to the policy. While these additions to a policy can be beneficial they are not necessary, especially if you are trying to save as much money as possible.
Arizona Car Insurance Rates
Having an understanding of the average rates for your state and your local area can help as you compare Arizona car insurance policies and rates. The average auto insurance policy in Arizona costs $1,062 compared to the national average policy of $1,440. This is good news for most shoppers as there are built-in savings just from living in your state. However, residents living in urban areas will have to pay much more for their car insurance.
Here are the average rates for the major cities in Arizona.
- Glendale: $2,551
- Mesa: $2,313
- Phoenix: $2,516
- Scottsdale: $2,401
- Tempe: $2,283
- Tucson: $2,086
Arizona Car Insurance Discounts
To cut down on the rates for Arizona auto insurance, you need to take advantage of the discounts offered. This means realizing where you can save the auto insurance company money allowing them to pass down these savings to you. Most car insurance discounts come from the fact that you reduce the risk that your insurance provider has to shoulder. You will receive discounts for purchasing multiple insurance products from the same insurance provider. If you are also looking for homeowners insurance, life insurance, long term care insurance or insurance for recreational vehicles, you can get a significant discount by insuring them all with the same provider.
Here are a few more discounts for which you may qualify.
- AAA or AARP discount
- Accident free discount
- Discounts for specific vehicle safety features
- Good student discount
- Loyal customer discount
- Military/government personnel discount
- Reduced driving discount
Arizona Car Insurance Companies
Choosing the right Arizona car insurance company is just as important as choosing the automobile insurance policy. With so many options out there, you know there are going to be some bad choices and there are going to be some good and exceptional choices. To separate these, you need some information. This means checking the claims records of local companies. You don’t want to have to fight your insurance company tooth and nail for any claim you need to put through. Look through some online forums and talk with local family and friends to find the car insurance company in your local area that has the best reputation for customer service and honesty.
Getting Arizona Car Insurance Quotes to Save Money
If you really want to save money, then you need to compare rates. There is no easier way to do this than to get online rate quotes. They allow you, in only a few minutes, to compare the rates of the best car insurance companies in Arizona. From these quotes you can find those really low rates that you would not ordinarily find without shopping around. You want to save hundreds of dollars a year on Arizona car insurance, then get your quotes today!