Shopping for Arizona Car Insurance?

Arizona Car Insurance Coverage:

Uninsured and Under-insured Motorist Insurance

We recommend Arizona drivers carry un-insured and under-insured motorists bodily injury coverage to help cover injuries to you and/or your passengers in a car accident with an un-insured driver (or a driver whose auto insurance limits are not adequate to cover your costs). Un-insured/under-insured motorist car insurance coverage will not cover property damage.

Optional Car Insurance coverage

When shopping for Arizona Car Insurance, consider optional coverage types for further protection. Most Car Insurance companies offer the following types of optional coverage:

• Collision – This will help cover body damages or repairs to your car after an car accident.
• Comprehensive – Helps pay for repairs of non accident-related damages to your car such as fire, theft, vandalism, hail, glass, falling objects.
• Medical payments – This will help cover costs from accident-related injuries to yourself or passengers.
• Uninsured motorist property damage – This will cover damage to your car after an auto accident with an un-insured driver when you do not have collision coverage.

Car Insurance is Required in Arizona

The State of Arizona monitors car insurance compliance through:

• An insurance carrier database with insurance reporting by the car VIN number. Make sure your car insurance company has the correct VIN # for proper reporting to the State of Arizona.
• Verification of proof of insurance during traffic stops.

If you are found not to have a vehicle insured with at least the state minimum required car insurance limits, your vehicle registration and drivers license can and will be suspended by the State of Arizona.

Traffic Stops

You are required to carry an insurance identification card in your vehicle at all times. If you are involved in an accident or stopped for a moving violation, you will be asked to provide the police officer the auto insurance id card as proof of insurance. If you are unable to provide a police officer with proof of Arizona Car Insurance, you will be considered an un-insured driver and likely be issued a traffic citation. If you are convicted of driving without a valid insurance policy, you will face the following penalties:

• Suspension of your auto vehicle registration
• Fine

What determines Arizona Car Insurance Prices

When shopping for Arizona Car Insurance, remember that car insurance companies can use the following factors to determine rates when shopping for car insurance:

• Driving record
• Age
• Gender
• Marital status
• Location
• Your car’s make and model
• Your average mileage
• Credit history
• The types of optional car insurance you purchase
• Your deductible (out-of-pocket expenses you must pay towards a claim)
• The higher your deductible, the lower your premium

Arizona Car Insurance Discounts

One way to get affordable car insurance rates is to take advantage of any discounts for which you are eligible. When making car insurance comparisons, ask about the following standard discounts:

• Good or Safe Driver discount – Most Car Insurance Companies offer for those Ticket and Accident Free for 5 years
• Good student discount – Typically a full time student under 24 years of age with GPA of 3.0 or better
• Multi-car discount – More than one vehicle insured on same policy
• Homeowner’s discount – Insure your car and home with same insurance company for multi-policy discount
• Defensive driver discount – This is usually afforded to senior citizens or new student drivers after taking a defensive driving course.
• Anti-theft device – Security Alarm on vehicle

While discounts are a great way to get low-cost car insurance, your best bet for affordable Arizona car insurance rates is to maintain a clean driving record. Obey traffic laws and drive safely to get the best possible rates.