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Cheap Arizona Auto Insurance Quotes – AZ Car Insurance Rates

Arizona Auto Insurance Requirements

It is always a good idea to have a good understanding of the requirements for auto insurance when you are purchasing a vehicle in Arizona. In AZ, your auto insurance policy must include minimum liability coverage for specific amounts. These amounts include:

$15,000 for bodily injury liability for a single person involved in an accident
$30,000 for all injuries that involve two or more persons when in an accident
$10,000 for any property damage that sustained from an accident.

You should always make sure you have the least amount of insurance that is required by Arizona law when you obtain insurance in this state. There can be serious legal consequences if you fail to carry the proper amount of auto insurance in the state of Arizona.

Arizona Auto Insurance Laws

Arizona state law does require that you have auto insurance when operating a vehicle in the state of Arizona. The auto insurance you carry must have been obtained through a company that has received authorization to conduct business in that state. Furthermore, all motorcycles, golf carts and mopeds are considered to be motor vehicles in the state of Arizona and consequently must also carry the minimum amounts of liability insurance as well. The minimum amounts of liability insurance in the state of Arizona are 15/30/10. Remember that you must carry the minimum amounts of liability coverage for each motor vehicle you operate in the state of Arizona.

Arizona Auto Insurance Coverage

All auto insurance companies in the state of Arizona must offer what is known as uninsured or UM and underinsured motorist coverage or UIM to every holder of an auto insurance policy. This cover will provide protection when you are involved in an accident with an at-fault driver that does not have sufficient insurance coverage or has no insurance coverage at all. Arizona law does not require policy holders to take out this additional insurance protection, but it is recommended. If you choose not to carry UM or UIM insurance coverage, under Arizona law the insurance company must provide a page in your policy that declares you have chosen not to carry it. Along with underinsured and uninsured motor vehicle coverage, you may also elect to carry comprehensive and collision coverage, although it is also not required by Arizona law. This coverage will provide coverage from damages that arise from natural disasters.

Cheap Arizona Auto Insurance Quotes

Consumers can obtain cheap Arizona auto insurance quotes in a variety of different ways. One of the best and fastest ways to obtain cheap quotes for auto insurance in Arizona is by researching quotes online. In many instances it is now possible to obtain free online insurance quotes.

Arizona Auto Insurance Ratings

When you are in the market for Arizona auto insurance, it is a good idea to make sure that you obtain quotes from more than one insurance company. Ideally, you should make it a point to obtain quotes from at least three different companies so that you may make a solid comparison. Shopping around and comparing different quotes will allow you to make the best informed decision on your next purchase of auto insurance. While obtaining a low quote is important, it is not the only factor that should be taken into consideration. There are also other factors that should be considered, such as what the Financial Strength Rating of the insurance company you are considering is. The FSR rating will help you to understand how responsible the insurance company is considered to be regarding its ability to meet contract and policy obligations. These ratings are based on evaluations performed regarding the strength of the company’s operating performance, balance sheet and business profile.

Arizona Auto Insurance Rates

At the current time, the average auto insurance premiums in the state of Arizona are at about $1,139. This is for a twelve month policy. This average rate is at a slight increase from previous months. Keep in mind that although this is an average policy rate for the state of Arizona, individual auto insurance policy rates can vary from policyholder to policyholder. Many different factors can affect rates, including the type of vehicle that is being covered and the driving record of the policyholder. In addition, auto insurance companies in the state of Arizona are allowed to use the personal credit history of applicants to help in determining insurance rates. Not sure of the type of rate you may qualify for? Going online is a simple and fast way to obtain a free online quote for auto insurance.

Arizona Auto Insurance Companies

As you look around for an auto insurance company in the state of Arizona, keep in mind that you should look for several important characteristics. Although it is only natural to want to find an AZ auto insurance company that provides the lowest rates possible, you should also consider the reputation of the company. You can check the company’s record with the Better Business Bureau to determine whether any complaints have been filed about that particular insurance company. It is also a good idea to ask about the level of customer service the company offers. You will want to deal with an auto insurance company that handles claims in an efficient and fast manner with no hassles. In addition, try to find an auto insurance company that also provides discounts for your insurance. It is not uncommon today for many insurance companies to provide discounts when you also purchase your homeowner’s insurance from them. Special features on your vehicle may also quality you for further discounts on your auto insurance.

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