Affordable Car Insurance Auto Insurance in Arizona - Compare Rates

In addition to the desert, there is lot more that this state offers. Forests, parks, mountains, plateaus, several meteoric impact sites and the Grand Canyon... Staying in Arizona is a topographical delight. If you are living in this beautiful state, driving is absolute fun!

To truly enjoy your rides you will have to follow the rules and regulations, unless what you enjoy is paying hefty fines.

As a driver in the State of Arizona, you have to purchase mandatory auto insurance to stay on the right side of the law. It will pay for damages if you are responsible for an accident and in case you do not have adequate insurance then you are risking your property and assets. So isn't it wise to buy auto insurance?

Mandatory Insurance Coverage

Bodily Injury Coverage
It only covers for the expenses of the victim in an accident where you are at-fault.
This pays for
>> Medical expenses
>> Lost wages
>> Pain and suffering

The minimum required bodily injury coverage is:
>> $15,000 for the injury or death of one person in any one accident
>> $30,000 for the injury or death of two or more people in any one accident

Property Damage Coverage
It pays for the property damage that you cause to
>> Buildings
>> Any car involved in accident ,everything inside the car
>> Fences, road signs, mail box etc.

The minimum coverage you need to buy is $10,000.
It is often called the 15/30/10 coverage.
Bodily Injury and Property Damage (combined single limits)
You can also buy a combined policy with a minimum limit of $ 40,000. It combines the coverage benefits of bodily injury and property damage liability.

Optional Coverage
The state follows tort so the at-fault driver is supposed to pay for damages. There is a possibility that he may have inadequate or absolutely no insurance. In this case your damages won't be covered by your insurer. It would help if you buy:-

Uninsured Motorist Coverage and Underinsured Motorist Coverage
It pays for the bodily injuries that are caused by uninsured/ underinsured driver or even in a case of hit-and-run. It will protect you, your family (who lives with you), and your passengers, but won't pay for property damages. For that you need to buy collision/comprehensive coverage.

Collision Coverage
It pays to repair, replace or reimburse the property damage to your insured vehicle. The damage may be caused due to any other car or any stationary object or when an uninsured/under insured driver hits you or even when you are responsible for the collision.

Comprehensive Coverage ("Other Than Collision" coverage)
This coverage pays to repair or replace your insured vehicle due to a loss caused by any other occurrence other than a collision. It will pay for damages like
>> Theft, vandalism, fire
>> Water, hail, wind, falling objects
>> Impact with a bird or other animal

Medical Payments Coverage
It pays for hospital and limited funeral expenses for you or others injured or killed while driving or riding in your vehicle. The coverage is valid even when you are responsible for the accident.

Get A Free Auto Insurance Quote for Arizona Now!

You simply cannot avoid insurance but what you can do is some smart shopping and save your hard-earned bucks.

You can go online and get quotes from several insurance companies. Asking for quotes online saves you from the stress of visiting every company individually.

The golden rule is that price is not the only criteria. Select the company on the basis of financial and consumer ratings and their complaint record. Check how well they respond to claims and also for additional fees, if any. You may be attracted by lower premiums but if the processing fees are higher, it is certainly of no use.

In the competitive market, companies are offering multiple discounts to attract consumers. Various discounts include:-
>> Driver Education
>> Good Student
>> Vehicle Safety Device
>> Anti-theft Device

You should ask for discounts and you will be surprised to see it lowers your premium considerably.

Deductible is the amount you pay for your damages and which is not reimbursed by the insurer .If you go for higher deductible it will reduce your premium on collision and comprehensive coverage as the insurer knows that he will have to pay lesser money when an accident claim occurs. So if you can manage a higher deductible there is no harm in it.

In the end don't think of auto insurance as an unnecessary expense, but as a safety measure to save you from the crisis.

Buy your insurance today.

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