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Arizona Car Insurance

In the state of Arizona, all motor vehicles are required to be covered by at least the minimum amount of liability car insurance. This includes motorcycles, golf carts and even mopeds. The minimum levels of said liability insurance are between $15,000 in bodily injury for one person and $30,000 for two or more persons, and $10,000 property damage liability.  When renting a car in Arizona, you must be sure that your present car insurance policy covers rentals. If not, you may purchase additional insurance from the rental agent as insurance is required.

As a requirement to do business in the state of Arizona, companies offering car insurance must also offer uninsured drivers and under-insured drivers coverage to provide protection when an at-fault driver doesn't carry enough coverage or any at all. Although the driver or policy holder is not required to purchase this additional insurance, it is recommended because if the at-fault driver holds only the minimum amount of insurance but an accident puts "you" in the hospital, that minimum $15,000 in bodily injury may not be enough to cover your needs. Should the policy holder decline this additional car insurance, the insurance provider must issue a declaration page indication that you have elected not to carry this coverage.

Arizona insurance premiums are slightly lower than the national average. In 2009, the average monthly premium was approximately $146 while across the nation, that number leveled out at $151. There are ways, however, to lower your car insurance premiums even more. The most effective way is to shop around. In todays' economy, now more than ever, businesses are doing what they can to entice new customers. Look for agencies that offer bonuses if you don't file claims, discounts for good drivers and policies that include discounts for family members.

Another way to save on car insurance is to arrange for higher deductibles. The higher the deductible, or money you have to pay out of pocket should you file a claim, the lower your monthly premium is. However, be aware that this is money you have to come up with on your own should you actually file a claim. Driving the "right" car can keep your premiums low as well. High horse-powered cars, luxury vehicles and those with added technologies can increase monthly car insurance payments by quite a bit. Also, states usually keep a record of the most stolen vehicles, so be sure to own and operate one that is not on that list.

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Arizona Car Insurance

Although Phoenix, Tucson, Mesa, Glendale, and Chandler are the biggest cities in Arizona cheap car insurance rates vary from city to city and rates in Scottsdale may or may not be different than Gilbert. Whether you live in Tempe, Tempe Junction, Peoria or some other city in Arizona take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Arizona.


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