Arizona Car Insurance Comparisons

Arizona stateComparing quotes from multiple auto insurance providers raises an AZ driver's chances of finding the cheapest automobile policies available. There are tons of insurers ready and willing to compete for the business of motorists in the Grand Canyon State and taking the time to obtain and compare rates from as many as possible can help locate the most competitive price for a particular individual.

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Conducting AZ Car Insurance Comparisons

The way an individual goes about comparing automobile coverage can make a big difference in not only price, but the type of coverage that is obtained and the company which it is acquired from. Many motorist compare auto insurance based solely on price in hopes to find the cheapest rate, but there are many other aspects to vehicle policies that should be considered during the comparison process.

The most affordable car insurance policy will likely one that meet the minimum requirements of the state, but consumers may want to keep in mind that the minimums may not provide adequate protection. The required limits by the state are quite low, do not cover various risks and may leave a motorist vulnerable in many areas.

Currently, the state only requires motorists to carry liability policies consisting of the following limits; $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage. Although this may be the cheapest route when obtaining a policy, higher limits should be considered and it is often suggested to raise liability limits to $100,000, $300,000 and $50,000. This may seem like a big jump from the minimum, but in most cases it may not cost much more to obtain more extensive coverage.

One area where a motorist may not protect themselves is from drivers that choose to operate without automobiles policies. It is estimated that nearly 20% of motorists in the state lack Arizona auto insurance coverage. This means that if a person is involved in a traffic accident, there is a one in five chance that the driver is not insured. When comparing rates it may be wise to add Uninsured/Uninsured Motorist coverage to protect against such individuals. This add-on to a policy is fairly inexpensive and unfortunately many believe the opposite and opt to go without it.

U.S.flag and Arizona flagFor certain motorists additional coverage may be needed such as comprehensive and collision. Consumers in need of this protection are usually those who are financing an automobile or own an expensive vehicle. When comparing rates on this type of protection one should tinker with different deductibles; usually the higher the deductible, the lower the premium, but one should keep in mind that this is what will have to be paid in the event a claim is filed.

Comparing automobile policies should be done not only to find the cheapest insurance company, but to also get the best product as well. Diligently shopping around can lead to finding a carrier that can provide adequate coverage at an affordable rate.