Comparing Arizona auto insurance rates is the best way to ensure you obtain
competitive rates. It's even encouraged by the Arizona Department of Insurance.
The most convenient, fastest and instant way to complete an auto insurance
comparison is to obtain your quotes online. By completing the following quick form you can
get instant online auto insurance quotes:
The state of Arizona requires drivers to maintain their vehicles insured at
all times. Below are the minimum state financial responsibility requirements.
Although only minimum coverage is required, one should consider more coverage
based on their needs.
Arizona
Auto Insurance Minimum Requirements
Liability Bodily Injury
$15,000 per person - This limit is on
a per person basis for bodily injury and other related compensations
which you are liable for as a result to a at-fault accident.
$30,000 per accident - This is the
same as the above coverage and is a limit on a per accident basis
including more than one person.
Liability Property Damage
$10,000 per accident - Property damage covers
damages up to the policy limits for property damage as a result of an
at-fault accident. Property damage can include anything such as a car, a
fence, a light post, etc.
Arizona Car Insurance Tips
Be aware of policy limitations. Arizona car insurance companies may
exclude certain drivers from your household if not specifically listed on
the application. This is commonly referred to as Household,” “Family,” or
“Intra-Family” Exclusion.
If you have an accident on your driving record which was not your fault,
Arizona law prohibits car insurance companies to increase your rates due to
the non-fault accident.
If your auto insurance policy cancelled within 60 days of purchase,
check with your Arizona Department of Insurance in order to make sure that
the cancellation was within legal grounds.
Consider higher
deductibles for your comprehensive and collision coverage which will lower
your premium.
Ask if you are eligible for discounts which can lower your car
insurance. Some discounts can include:
Good driver discount
Multiple car discount
Good student discount
Nonsmokers discount
Air bags or automatic seat belts discount.
Factors used for Arizona Auto Insurance Rates
Credit Score- Some companies use credit score to determine Arizona auto
insurance rates by interpreting it as one's risk of losses.
Driver Info - Carriers will look at a drivers age, sex, marital status,
driving history and any related information such as violations or accidents
and even where one garages their vehicles.
Vehicle Info - The vehicle can make rates vary even when purchasing
liability only. Sometimes even a two-door vs. a four-door vehicle will make
a difference in rates.
Coverage Requested - Generally, lower coverage will generate low cost
auto insurance, and higher coverage will generate a higher cost.
Other related information
OnlineAutoInsurance.com's goal is to help you find the carrier that's right for
you. If you have any questions, feel free to contact us.
The Arizona
Department of Insurance has additional tips and guides which can help make your
online auto insurance quoting experience a bit easier and more knowledgeable:
Arizona Consumer Guide to Auto Insurance
Comparing Arizona auto insurance rates is the best way to ensure you obtain
competitive rates. It's even encouraged by the Arizona Department of Insurance.
The most convenient, fastest and instant way to complete an auto insurance
comparison is to obtain your quotes online. By completing the following quick form you can
get instant online auto insurance quotes:
