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Cheapest Car Insurance Rates In Phoenix - 3 Steps
Cheapest Car Insurance Rates In Phoenix - 3 Steps
Unless you work out of the home and live a block or two away from a shopping mall, owning a car in Phoenix is a necessity. Phoenix's large population - with 1.6 million people within city limits and 4.3 million people in the metro area - and large land area coverage (around 475 square miles) means that you basically need a car to get anywhere or visit anyone.
Car ownership is Phoenix is not cheap. The hot summer sun creates high temperatures that mean more costly heat-related repairs and engine overheating than in most areas of the country. And, there is always the car payments and gas to think about. To round it off, there is the expense of having to buy car insurance. Luckily, you have some control over that last item.
Phoenix Car Insurance Rates Are Not Cheap
In general, buying car insurance in Phoenix is not cheap. In fact, according to a 2007 study, Arizona ranks 14th in the country for auto insurance expenditures. Influencing these higher rates are the strong Phoenix economy (which results in more people buying expensive-to-insure new cars) and high traffic density - especially around urban centers. Other factors that affect average premiums are tort liability, auto laws, labor costs, liability coverage requirements and theft rates.
Minimum Car Insurance Requirements For Phoenix Drivers
Every state has different requirements for minimum required auto insurance coverage. As of the time of this writing, Arizona's minimum requirements for liability coverage are 15/30/10. This means: $15,000 coverage per person per accident for medical expenses, $30,000 maximum per accident (total) for medical expenses, and $10,000 per accident for vehicle damage. Remember that liability coverage only covers the other party when you are at fault. It does not cover your party if you are at fault, nor does it cover your party if the accident is the other party's fault but they are uninsured.
It is important to note that buying the minimum required coverage is often not enough. For example, if you cause an accident that causes $30,000 in damage to the other party's vehicle but your liability coverage is only for $10,000, the other party could try to sue you personally to recover the additional $20,000. Such a lawsuit could easily cost you more than $20,000 if you are found liable in civil court.
How To Find The Cheapest Car Insurance Rates In Phoenix: 3 Steps
All that being said, you are going to want to find the cheapest-possible car insurance rates in Phoenix. Here are 3 steps to doing so:
1. Examine your current or recent policy to find out coverage details: As you collect insurance quotes, you are going to want an apples-to-apples comparison of the various quotes. To do this, start by looking at your most recent policy and write down the types of coverage (e.g., liability, collision, uninsured motorist, etc.) and the coverage amounts for each.
2. Create a list of insurance companies specializing in Phoenix: Next, create a list of at least 5 or 6 insurance companies who specialize in insuring Phoenix drivers.
3. Get quotes from at least 3 of the companies you research: More choices is always better if you want to get the best-possible rate. While you will be tempted to accept the first quote you ask for, resist that temptation. Instead, follow through in getting quotes from at least 3-6 of the companies you researched.
Follow these 3 steps to find the cheapest car insurance rates in Phoenix.
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