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Arizona Auto Insurance

Auto insurance coverage in Arizona is not just something regulated by law, but also something that every driver should have.  Arizona auto insurance is your only protection when you get into an accident.  Without auto insurance in Arizona an accident could mean financial ruin for a driver.  You have many choices in auto insurance coverage in Arizona, so you can easily find a policy that is affordable for you and will protect you financially.

Arizona Auto Insurance And Arizona Law 

Arizona law requires that in order to register a vehicle in the state you must show proof of insurance at the time of registration.  You will be asked to show some type of proof that you currently have insurance on the vehicle that you are registering or your registration will be denied.

The requirements for auto insurance under Arizona law are rather minimum.  You are required to have:

  1. $15,000 per person/ $30,000 per accident for bodily injury coverage

  2. $10,000 for property damage.

Other coverage is optional.  You may want to consider additional coverage, though.  It can be wise to get coverage against uninsured and underinsured motorists.  Also if you are buying your vehicle your lender may require additional coverage to satisfy your loan agreement.

How Costs Are Determined For Arizona Auto Insurance

The cost of your Arizona car insurance policy is based upon a range of factors.  You need to understand how these factors are used so that you can choose a policy that will meet your needs and be a reasonable cost.

Some factors used in determining your AZ auto insurance cost are things you can not easily control or that will take time to fix.  These include:

  1. How long you have been driving

  2. The type of vehicle you own

  3. Your driving record

  4. Your credit record

Most companies use all of these factors.  You may be able to change your driving record and credit record over time, but right now there is nothing you can do.  However, it is something to keep in mind because when you renew your policy you can get a lower rate if your situation has improved.

Some factors, though, you can control right when you are getting your policy.  These include:

  1. Deductible

  2. Coverage amounts

  3. Optional coverage

A deductible is the amount of money you must pay before the insurance company will pay.  You want to choose a deductible that is affordable, but at the highest level that you can afford. You want to know that should you have an accident that you can afford your deductible.  No matter what, if you do not pay the full deductible, the insurance company will not pay a penny.  That is why you need to be able to pay it.

Generally the lower the deductible, the higher your insurance cost.  So, you want to choose the highest deductible possible. You will also be given different coverage amounts from which to choose.  You can go with the lowest allowed by law or choose higher coverage.  The higher the coverage is, the more your premium will be.

Optional coverage will add to your costs, too.  However, many people like getting special coverage such as rental car coverage just because it makes sense for their situation. The bottom line is you want to choose options that work for you and give you the coverage you need, while also making sure it is affordable for you.

How To Find The Cheapest Arizona Car Insurance Rates

One of the biggest things that you can do to find cheap auto insurance rates in Arizona is to make sure that you shop around. Car insurance rates change often so it is often a good move to make sure that you compare rate quotes every 6 months to make sure that you have the best value for your premium dollar. Compare quotes from at least 3 different Arizona auto insurance companies in order to find low cost coverage.

How To Find The Best Arizona Auto Insurance Company

Your individual situation will dictate which auto insurance company in Arizona is best for you. Different companies specialize in insuring different types of drivers. Some companies specialize in providing coverage to high risk drivers while others carve out a niche in offering cheap student auto insurance in Arizona.

Here are some of the top Arizona auto insurance companies that you should consider in your search for the best Arizona car insurance rate:

  • AAA
  • AIG/American General
  • All State
  • Progressive Direct
  • State Farm
  • The General
  • Unitrin Direct

Find And Compare Arizona Auto Insurance Quotes Now!

Getting an Arizona auto insurance quote is a smart move.  You do not want to get just one quote, either.  You want to get as many quotes as possible because that way you can see the many options you have.

Quotes are useful when you are shopping for insurance because they allow you to see what each company will charge you.  Additionally, you can try out different options to see what deductible and coverage amounts will work best for your budget.

Many times shopping around and getting quotes involves going to each company individually.  This can be time consuming because you have to fill out forms with each company.

You can use our quote tool to get fast quotes form many different companies.  All you do is fill out the form one time and then wait for the quotes.  It is simple and fast.  You can fill out the form with different information each time, too, so that you can get a variety of quotes on your different coverage options.

Get your Arizona auto insurance quote now, by clicking in the box at the top of this page and answering some easy questions.

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