subject: Arizona Auto Insurance - What The State Demands [print this page] Arizona Auto Insurance - What The State Demands
States have guidelines that regulate the operation of an automobile in the state. Arizona has its own set of laws which include duly licensing of your car, verifiable proof of your financial ability to run the car(s) and not forgetting the very important state required minimum auto insurance coverage. Failure to get an auto insurance policy as stipulated by the state of Arizona would mean that your car would not be registered as you need this to register your car. In addition, if you are caught without the state required minimum coverage, you would be fined between $250 and $750. You would also lose your license and car registration. I have not mentioned the court cases you would get if you are involved in an accident. I am sure you now see the importance of following the state's directives before driving in Arizona.
Arizona state minimum liability coverage is lower than that of some other states like Alabama and Alaska. For bodily damage, the state requires a minimum liability coverage of $15,000 for each person and a minimum of $30,000 liability coverage per accident.
For property damage, the state requires a minimum liability coverage of $10,000.
Bodily injury liability coverage covers you against costs arising from injuries, lost wages, funeral costs etc when you are at fault in an accident. On the other hand, liability coverage for property damage covers against properties damaged as a result of accidents where you are at fault. In all these cases, the coverage does not cover your injuries or property damages.
Drivers within Arizona state should not be just content with getting this state required minimum coverages. You need to be covered too and you can not get this with this minimum coverage. Talk to your insurance agent for policies that would offer you more coverage.
A lot of drivers in Arizona would surely love to get more coverage but are discouraged by cost. let us look at some ways of getting a more affordable auto insurance coverage.
The first thing we would look at is getting and comparing quick auto insurance quotes. As you compare quotes, you are positioned to get the cheapest insurance rates possible. Do not joke with quotes comparison.
The next thing that drivers in Arizona can take advantage of is discounts. There are a number of discounts you can take advantage of that would help you get affordable auto insurance. Some of these include, low mileage discounts, good driving discounts, no claim discounts, multiple policy discounts, safety discounts, security discounts etc. Do well to talk with your insurance agents for more clarification of these discounts.
If you have any issues and want to get more information about auto insurance in Arizona state, you would get all the information you need when you get in touch with the Arizona Department of Insurance at 602 364-3100. Remember that the right information can result in the most affordable auto insurance coverage.
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