Cheap Car Insurance Arizona

While many commodities have steadily risen in price, it is still possible to get cheap Arizona car insurance. For 2011, the average insurer here will pay about $1065, a savings of $376 from the national average of $1441. That’s good news for Arizona residents and those moving into the state, because carrying a basic liability coverage package is mandatory. In fact, you cannot register your vehicle without showing proof of auto insurance. For those migrating south from cold, wintery northern weather, it’s important to know that all vehicles registered in Arizona must be insured through a company licensed to do business here.

When it comes to cheap auto insurance, Arizona keeps the basic requirements simple and straightforward. Vehicle owners must maintain a minimal Bodily Injury coverage of $15,000 per person or $30,000 per accident. This does not cover the driver or passengers in the driver’s vehicle. It does offer compensation for medical needs for those in the other vehicle. Also, a minimum of $10,000 Property Damage coverage is required. Again, this is to compensate the owner of the other vehicle, not the driver who carries the policy. Because of the threat of potential lawsuits, many drivers increase the amount of liability coverage to protect their own assets.

In addition to meeting the state’s basic requirements, it is recommended that Arizona vehicle owners also carry specific coverage for themselves and their property. This can be really important if the owner of the other vehicle owner is underinsured, has no active auto insurance or is from out-of-state and does not have adequate liability according to Arizona’s standards.

By shopping around, it is possible to find cheap car insurance Arizona estimates that include useful add-on coverage such as the following:

• Medical Payment Coverage—pays both medical and funeral expenses for the driver and those riding in the vehicle up to a stated limit. It is a good idea, even if you already have good health insurance.
• Collision—pays for the repair of replacement of your damaged vehicle even if another vehicle is not involved.
• Comprehensive—pays for vehicle property damage from vandalism, extreme weather, theft, falling objects and hitting birds or animals.
• Uninsured/Underinsured Coverage—pays for driver’s medical and/or property expense in the event the other party has no insurance or too little.
• Rental Reimbursement—pays for rental while damaged vehicle is being repaired as long as the vehicle was damaged in an accident for which the driver had collision/comprehensive coverage.
• Full glass/Safety Equipment—covers all glass on vehicle and all parts used in the lights.

For those who have been denied in-state auto insurance coverage, The Arizona Automobile Insurance Plan will assist in helping you get properly connected. Application may be made through any licensed property and casualty insurance agent. If you are planning to travel into Mexico, your policy may cover 0–25 miles inside the border, but it will not be adequate for the Mexican insurance requirements. It is possible to buy additional, specific liability insurance for foreign travel from licensed Mexican insurers both in Arizona and in Mexico. Failure to get adequate coverage can result in unpleasant consequences, especially if an accident occurs.

To avoid penalties for having uninsured vehicles that are temporarily in disuse, owners may apply for a De-Insure Certificate that covers the vehicle until it is returned to the road. More details about this and the other cheap car insurance Arizona agencies have to offer is easily available online. While Arizona has been working diligently to bring down the number of car accidents since figures peaked in 2006, the fact remains that one person is injured in a car crash about every 10 minutes, and two will die each day. With nearly 4.5 million drivers across the state, those numbers seem small unless one of those accidents involves you. Find affordable, cheap Arizona car insurance and drive with confidence. It’s what we do here.

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