Arizona requires car insurance for all drivers. In is mandatory that drivers have at least liability coverage to make sure they are able to pay in the case of an accident. So if you are buying a new car or are a new driver, this is the right time to shop around and request car insurance quotes to choose the best fit for you.
How to better get insurance in Arizona?
The most reliable way to is to buy a liability car insurance policy from a legal provider. However, if you own more than 10 vehicles, you can apply for a self-insurance certificate. This certificate requires submitting a surety bond of one million dollars and is mainly designed for car dealers and corporate fleet owners.
Usually, the more coverage you purchase, the more extensively you are covered. However, the state requires drivers to have a minimum coverage, which includes:
- $15,000 bodily injury coverage for one person in one accident
- $30,000 bodily injury coverage total per accident
- $10,000 property damage coverage per accident
Why do you need to compare several Arizona car insurance quotes?
Instead of just having the minimum liability coverage, consider buying other types of coverage to ensure that your vehicle is optimally covered. To know the details about the policies, the factors that affecting the price, and the discounts you can get, use our CarInsuranceQuote.com form to receive quotes from multiple companies before signing for one.
In Arizona, car insurance quotes are based on the following factors:
- Age – As you grow in years you pay less for your vehicle coverage.
- Car Theft – residing in an area with high car theft rates might result in higher premium for your policy.
- Credit History – It you have been sent to collection or have standing bills, you might have to pay more for premium.
- Driving History – A good driving record may get you a lower quote.
- Location – You might have to pay more if you live in areas considered as high risk for insurers, such as areas with a lot of accident fraud or with high rates of car stealing.
- New Cars – New vehicles are prone to car theft, cost more for replacement or repair hence are costlier to cover.
You may get discount on the Arizona car insurance if you
- License is free of points
- Are a senior citizen.
- Have installed anti-theft devices in your car.
- Have completed a driver’s refresher course with success.
Coverage offered by car insurance companies in Arizona.
- Personal Injury Liability – it pays to others involved in a collision if you happened to be the one who caused the accident.
- Collision Coverage – Compensates for damages to the car.
- Comprehensive Coverage – Pay for damages due fire, theft, earthquakes, or vandalism.
- Fire and Theft Coverage – supplement coverage particularly for theft or fire.
- Gap Insurance – It covers the difference between the cost of your car and the amount of loan due.
- Liability Coverage – Repays for the property damage or physical injuries to the victim in an accident when you are at fault. It will not pay for your injuries.
- Pay-Per-Mile Coverage – your insurance premium depends on your driving habit. You need to pay more if you are a frequent driver.
- Personal Injury Protection Coverage – Covers for the medical expenses in case of a car crash regardless of fault.
- Physical Damage Coverage – Compensates for the damage done to the body of your car
- Property Damage Liability – It helps you repay for the damage that your car caused to other people’s property.
- Rental Car Insurance – Pays for the repair or replacement of your rented car if it is damaged or stolen.
- Underinsured/Uninsured Motorist Coverage – This insurance compensates if you are in an accident with uninsured drivers.
More and more states are adding this particular type of coverage.
Proving you have Auto insurance
The Motor Vehicle Department (MVD) works in close association with Arizona insurance providers so that it is regularly updated about all new policies, cancellations, renewals and non-renewals. Hence, it is nearly impossible to move on without proper coverage. You require to carry you ID card or documents to prove your coverage whenever you drive.
De-insured automobiles in Arizona
The state of Arizona does not require to buy coverage for un-operational vehicles. You need to buy insurance only for those vehicles that is driven on the public roads. But make sure to include the vehicle in the policy if it becomes operative again. Driving you de-insured vehicle can lead you to suspension of your registration or driving license.
What if you do not have car insurance in Arizona?
If you are found without auto insurance in Arizona your vehicle’s registration and your driving license may get suspended.
To reinstate your registration and driving license you require to
- Display the proof that you car was covered for the alleged period of insurance lapse.
- Submit a SR-22 from purchased form a licensed service provider in the state along with a reinstatement fine of $50.