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Most people know that it is a good idea to carry some sort of auto insurance in the event that they are involved in an accident while operating the vehicle, but it might come as a surprise to some people that the requirements vary widely from state to state.
In fact, the auto insurance coverage that was completely adequate when you lived elsewhere might prove to be far too much or far too little when you buy a car in Arizona.
Read on to learn all about Arizona auto insurance coverage and then be sure to enter your zip in above for a free Arizona car insurance comparison!
Arizona Car Insurance Requirements
The most important Arizona auto insurance to have is liability coverage, which will help to cover the costs that might incur if you are found to be responsible for an accident that damages someone else’s property or requires them to receive costly medical care.
In Arizona, car insurance that is required by law includes the following minimum liability coverage:
• $15,000 to cover damages incurred by a single driver
• $30,000 to cover expenses of any passengers that were traveling in the vehicle
• $10,000 to cover property damage caused during an accident, including broken road signs or guardrails and repair to the other vehicle that was damaged in the accident
Comparing Providers and Arizona Car Insurance Rates
Shopping for car insurance can be an overwhelming process, and if you’re not familiar with how to compare Arizona auto insurance rates, you might be tempted to purchase the first affordable car insurance policy you’re offered.
National car insurance companies like Geico, Allstate, State Farm, and Esurance like to claim they offer the best deals, but it always pays to compare them to the rates offered by smaller local Arizona auto insurance companies that are likely to provide more customized service.
Saving Money through Arizona Car Insurance Discounts
When determining what rate they will charge you for coverage, car insurance companies consider many factors.
Most companies offer discounts for meeting certain criteria, but these discounts often vary from one provider to the next.
Some common discount criteria include:
- Clean record
- Good grades (for students)
- Safety features on car
- Years insured
There might be other discounts for owning a home, or purchasing your policy online as well, but you will have to contact a representative of the insurance company to find out if these are available from the company you’re considering.
Don’t be afraid to make it known that you are comparing your rates to those of their competitor, as this might encourage them to make you a better offer.
Finding Arizona Car Insurance Quotes Online
You can compare Arizona auto insurance quotes online from many top companies simply by entering your zip code.