Compare Arizona Car Insurance Quotes
Arizona is a beautiful state, full of various landscapes and environments. With large cities on the one hand and desert roads on the other, towns where only individuals over the age of fifty-five are permitted to reside and a sweeping metropolis where the youth run rampant, car insurance agencies are required to cover a large variety of individuals in the state of Arizona. Although the urban and highway speed limits both stand at a low 55 and the blood alcohol level is simply 0.08, the premiums in Arizona are startlingly high, placing 14 in the United States. How can you find a good insurance company that will give you a decent premium without risking your insurance costs?
The Legal Side
In Arizona, there are several laws requiring certain levels of insurance. According to CarInsurance.com, Arizona requires a bodily injury liability limit of $15,000/$30,000 per person and property damage liability of $10,000. These laws, of course, raise the level of insurance that you are required to have, while raising the cost of the insurance. Finding a company that has these levels is very easy, as most auto insurance companies offer this 15/30/10 level. On the other hand, finding this level of insurance without causing your Arizona car insurance quote to skyrocket may seem like an intimidating task.
Comparison of Companies
There are several options available for car insurance, whether you want a company that is completely available over internet, an online price quote with the option of calling in to an agent, or an agency that is right down your street. Several of the most well-known companies are Geico, 21st Century, All State, State Farm, and others. What follows will be a comparison of some of these companies regarding the 15/30/10 option that is required in California using a 2002 Mazda Protégé with a single woman of 33 years old.
Geico
Geico is a famous car insurance agency with an even more popular little lizard. Their suggested coverage per month for an average car is $76.50, which gives you the option of having the 15/30/10 coverage. The premium is also quite low, being $235.40. Another option that they represent is a 25/50/10 option, stated at being only $97.52 per month and holding a premium of $282.50.
Progressive
Although not as well-known as Geico, Progressive is semi-popular in the internet world of auto insurance. Their basic level of insurance, being 15/30/10, is lower than Geico, holding at $54.51 a month, but having a premium of $327. Their suggested level of coverage is a 25/50/25, but the rate is $109.36 with a premium of $397. This level of insurance has a very high price, but the level of coverage is very high as well.
Esurance
Esurance is an online agency that offers you auto quotes, while also giving you the option of seeing what their competitors offer. Their 15/30/10 package is $78.06 a month with a rather decent premium of $287. Although this price is higher than Geico, Esurance offers an incentive to pay a six-month period at once and save about 10% off your total price. Esurance also gives you their competitors quotes, with 21st Century at $66 a month and SafeCo at $84 a month.
Conclusion
There are several different companies available from which to buy auto insurance. Although the prices may differ, sometimes drastically, the policies and premiums also differ with each of these insurance companies. Regardless of the price differences, be sure to find a company that suits your needs. If you want the personalization of a company, find one that is both cheap, but that is also situated close to where you live. If you are simply looking for a cheap Arizona car insurance agency, find one on-line that can give you a good quote and good business without necessarily requiring a face-to-face contact. Whatever insurance you choose, remember that you have the opportunity to research and make changes in your insurance as you see fit.