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Arizona Car Insurance

Looking for the best Arizona car insurance? It is important to shop around and compare multiple Arizona car insurance quotes before making a purchase.

How Much Arizona Auto Insurance Coverage Should You Purchase?

Drivers in AZ are required to carry at least the minimum amount of Arizona car insurance coverage mandated by the state. For some people looking for auto insurance, the minimum level of coverage isn't enough to adequately protect their assets. When shopping for car insurance coverage in Arizona, a better course of action is to determine what level of coverage you need and then shop around to get the best possible rates.

Arizona Car Insurance: Minimum Coverage Required

Drivers in Arizona must have at least $15,000 in bodily injury liability insurance coverage on their vehicle for an individual who is injured in an accident. The minimum coverage amount for all injured persons is $30,000.

Along with the $30,000 in bodily injury insurance, drivers must also have at least $10,000 in property damage insurance. This coverage is used to pay for damage to the other person's vehicle, sign posts, mail boxes, fences, sheds, and the like. You will often see this type of liability coverage referred to as 15/30/10.

Arizona is one of the states that relies on a tort system for car insurance matters. When an accident occurs, one of the drivers must be found at fault, and that person's insurance company is responsible for paying for medical bills and other expenses incurred by anyone injured as a result. The property damage insurance is used to pay to repair the other driver's vehicle, not to protect the at-fault driver.

Optional Arizona Car Insurance Coverage

You may want to consider adding Uninsured/Underinsured Bodily Injury coverage to your policy. This will provide additional protection if you are involved in an accident where the at-fault driver either has no insurance or doesn't have enough insurance coverage to pay for your medical expenses and damage to your vehicle. It makes good sense to add this optional coverage to your policy.

How to Find the Best Arizona Car Insurance Rates

The average cost of car insurance in 2009, in Arizona, was $1,856. The national average for car insurance in the United States that year was $1,796. Each insurance company sets its own rates for drivers. Shopping around for coverage is the way to get the best possible pricing for your car insurance policy. If you are already dealing with an insurance company for property or life insurance, find out whether it also offers car insurance. Multi-policy customers should be able to get a discount on the cost of their coverage.

A clean driving record will go a long way toward getting you a good deal on your Arizona car insurance. Some insurers will also consider an applicant's credit history as part of the underwriting process. Someone with poor credit may be seen as being irresponsible and a higher risk than a person who pays their bills on time. Drivers who have never been involved in an at-fault accident and who have good credit should ask the insurance company they are considering about possible discounts.

A person who is a member of a professional organization or association may be entitled to a discount on their car insurance coverage because of that fact. In some cases, working for a particular company can get you a break on your car insurance coverage. Be sure to mention where you work and any memberships you hold so that the insurer can consider them when they are determining how much to charge you for your coverage.

If you don't do a lot of driving each year, you may be entitled to a low mileage discount. Leaving your car at home and taking public transit to and from work is not only good for the environment, but it can save you money on the cost of your car insurance coverage. You will want to be as accurate as possible about the number of miles you are driving each year, but the fact that you don't spend a lot of time on the road means that you present a lower risk of sustaining a loss than someone who drives a lot. When it comes to buying car insurance, if you can demonstrate that you are a lower-risk driver, you will reap the benefits of lower premiums.

A simple way to avoid paying too much for car insurance is to increase the level of your deductible. When you agree to pay a higher amount out of pocket if you sustain a loss the insurance company charges lower monthly premium rates. You will want to be sure that the amount you choose is something that you can afford to pay, though.

Compare Arizona Car Insurance Quotes Online

You can start looking for Arizona car insurance quotes right now by requesting AZ quotes from some of the top Arizona auto insurance companies offering coverage at the top of this page. Find out how much it will cost to insure your vehicle from several companies and then choose the one that will best meet your needs and - save you the most money!

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