Arizona is a state in the southwestern area of America. It’s the sixth most extensive and the 15th most populous of the 50 states. Its capital and biggest city is Phoenix. The second largest city is Tucson, followed in population by eight cities of the Phoenix metropolitan area: Mesa, Chandler, Glendale, Scottsdale, Gilbert, Tempe, Peoria, and Surprise.
Arizona is the 48th state and last of the contiguous states to be accepted to the Union, reaching statehood on February 14, 1912. It’s noted for its desert climate in its southern half, with fairly mild winters and really hot summers. There are ski resorts in the regions of Alpine and Flagstaff. Continue reading below to learn more about the auto insurance situation in the state of Arizona and discover how to get cheap insurance rates in the state.
Arizona Auto Insurance Rates
There are lots of variables that determine how much your automobile insurance will be. You may be certain that auto insurance premiums in Arizona take into account the fact the state has high rates of vehicle theft. In Addition, the city in which you live, how old you are, your sex, your driving history, how much you commute, other motorists in the family, and yes, even your credit score, all factor into your Arizona automobile insurance rate.
I have yet to see two surveys that arrive at the similar data, but generally, automobile insurance rates have dropped in Arizona which used to be considered one of the very most expensive states in which to buy auto insurance.
According to Insure.com, Arizona really ranks 42nd for automobile insurance rates. That is a great thing! The annual premium for the priciest state for car insurance, Louisiana, was $2,699. Arizona’s average yearly premium was $1,227.
Arizona Car Insurance Laws And Minimums
Arizona works under a conventional “fault” or “tort” auto insurance model, meaning that drivers involved in Arizona car accidents have many alternatives. They may file a claim with their own auto insurance provider, file a claim with the atfault driver’s auto insurance provider, or file a personal injury suit in court seeking damages from the atfault driver.
You’re considered to be at fault for the crash and the amounts for bodily injury liability cover costs in the event the accident injures someone else. The property damage amount pays for damage to another person’s property. For instance, in the event your car was pushed by the crash into a fence, property damage coverage would pay to fix or replace the fence.
Arizona Minimum Requirements
Under Arizona law, their cars must be insured by drivers with at least the following levels of coverage
- $15,000 per person for bodily injury liability
- $30,000 per accident when more than one person suffers injuries
- $10,000 for property damage
Many motorists choose collision and comprehensive coverage, which pay to fix or replace your automobile when it is damaged in an injury (collision), or by weather, an animal, or other item (comprehensive).
Proving Financial Responsibility In The State
Motorists in Arizona must comply with the state’s “financial obligation” demand. Most drivers do this by buying insurance and presenting proof of insurance to the state’s Department of Motor Vehicles.
However, motorists may also “self-guarantee” by buying a bond totaling at least $40,000 and presenting evidence of the bond to the Department of Motor Vehicles. In order to be driven legally on Arizona roads, a vehicle should be insured or the motorist should have supplied evidence of selfinsurance. Motorists from out of state should be covered by an insurance company who’s licensed to conduct business in Arizona.
Getting Auto Insurance In Arizona
If you want to get auto insurance in Arizona, first check when your present coverage expires. At least one month prior to the renewal date should give you plenty of time to make a determination on your own vehicle insurance without being forced.
Start by comparing estimates to your present policy. That gives an excellent basis to you for comparison, and you can alter characteristics of the auto insurance after should you need higher deductibles or better discounts.
To be able to get any automobile insurance rate quotes or car insurance comparisons, you ought to have a duplicate of your present coverage before you. You also must have details about all of the drivers in the family, including:
- birth dates
- driver license numbers
- any claims made under your auto insurance
- motor vehicle section history with respect to tickets
Car insurance is really a major annual expense, therefore it is reasonable shop and also make educated choices about the business you pick.
To start getting customized insurance quotes from the top auto insurance providers in Arizona, scroll back up to the top of this page and enter your zip code. Fill out our short form and you will then be given insurance quotes from the best insurance companies in AZ!