Shopping for Arizona Auto Insurance?
Auto, Home, Umbrella Insurance & more from top-rated insurance companies
Arizona Auto Insurance from Top-Rated Insurance Companies
The right Arizona Auto Insurance can help get you back on the road quickly if your car is damaged or destroyed. Auto Insurance in Arizona can protect against damage to your auto by an accident, fire, theft, or other covered event. Arizona Car Insurance may also provide protection against medical and legal expenses resulting from injury, loss of life and/or property damage caused by you and your vehicle. It is very important to talk with the licensed insurance professionals at Greene Insurance to find the answers to these questions. Purchasing Auto Insurance online is risky, especially when many of these options are sometimes not included in auto insurance quotes purchased online. Be sure to ask an Greene Insurance Agent about your Arizona Auto Insurance coverage and free car insurance quotes. We’re here for you!
Arizona Auto Insurance: Types of Car Insurance Coverage
Bodily Injury: If you are found at fault for a collision, your bodily injury liability coverage can help pay for the other party’s expenses up to your auto insurance policy’s limits. These may include:
- Medical costs, such as emergency care and hospital bills
- Lost income if they miss work due to their injuries
- Legal fees if they sue you for damages
- Pain and suffering compensation
- Funeral costs in the event of a fatality
Property Damage: Pays for the repairs or replacement of another person’s property if you are at fault for a car accident.
Medical Payments: Medical payments coverage is part of an car insurance policy. It may help pay your or your passengers’ medical expenses if you’re injured in a car accident, regardless of who caused the accident. This coverage is usually optional and not available in all states.
Comprehensive Insurance: Coverage for damage to your car from events such as theft, vandalism, and hail.
Collision Insurance: Coverage for damage to your car from collisions with other vehicles or objects
Un-Insured/Under-Insured Motorist: Coverage for your medical expenses and property damage if you are hit by a driver who does not have car insurance or does not have enough insurance.
Rental Car Reimbursement: Pays for the cost of renting a car if your car is damaged or stolen.
Roadside Assistance: Pays for cost of towing, flat tires, fuel delivery, jump start dead battery or other roadside assistance.
Finding the right Auto Insurance can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other covered event.
Your car insurance may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. A car insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.
It is very important to talk with the licensed insurance professionals at Greene Insurance Group to find the answers to these questions.
Buying Auto Insurance online can be risky, especially when many of these additional options are not included in car insurance quotes purchased online. Be sure to ask an Greene Insurance Agent about your Car Insurance coverage and free car insurance quotes. We’re here for you!
Ways to help lower your Arizona Auto Insurance – Car Insurance Discounts
Bundle & Save up to 40% on your Arizona Auto Insurance:
- Bundle Auto Insurance with your Home Insurance
- Bundle Auto Insurance with your Condo Insurance
- Bundle Car Insurance with your Class A Motorhome Insurance
- Bundle Auto & Property Insurance with Motorcycle Insurance
- Bundle Auto & Property Insurance with Personal Umbrella Insurance
- Bundle Auto & Home Insurance with your Watercraft Insurance
Good Driver or Safe Driver Discount – You may be eligible to receive this Auto Insurance discount if each of the drivers in the household has had no moving violations such as accidents, speeding tickets or reckless driving and no at-fault accidents.
Advanced Quote Discount – If you call for an auto insurance quote at least 8 days prior to your auto insurance renewal or the car insurance policy effective date, you may receive an advanced quote discount on your auto insurance policy.
Claims Free Discount – If you car insurance policy has had no claims the past several years (period of time usually 5 to 7 years depending on insurance company), most auto insurance policies are eligible to receive a claims free discount.
What factors determine my Arizona Car Insurance Rates?
When shopping for Arizona Auto Insurance, remember car insurance companies can use the following factors to determine rates when shopping for car insurance:
- Driving record
- Age
- Gender
- Marital status
- Vehicle Garaging Address
- Your car’s make and model
- Your average annual mileage
- Insurance Score
- The types of car insurance endorsements or options you purchase
- Your deductible (out-of-pocket expenses you must pay towards a claim). The higher your deductible, the lower your premium.
Good Student Discount – Do you have a student in high school or college with a GPA of 3.0 or better? Your Arizona Car Insurance could qualify for a Good Student discount if your child is listed as a driver on the car insurance policy and is over 16 years of age and is a full-time student (high school or college). Eligible high school and college students may receive car insurance discounts for maintaining a higher grade point average (GPA). Each insurance company has different requirements, ask your licensed insurance agent at Greene Insurance Group for more details.
Student Away at School Discount – See below for students who qualifies for discount(s) on their Arizona Auto Insurance
- Is a student who resides at a school more than 100 miles away from home with no vehicle in their possession at school.
- Drives the auto at the primary residence only while home during the school vacation, breaks or holidays.
Arizona State Minimum Auto Insurance Requirements:
If you own and register a vehicle(s) in the State of Arizona, you must obtain Arizona Automobile Insurance which complies with Arizona State Law. Automobile Insurance protects you, others and your finances in the event of a car accident.*
What is the minimum required Auto Insurance Coverage in Arizona?
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
* The State of Arizona monitors Car Insurance compliance through an insurance company database with insurance reporting by the car VIN number. Make sure your car insurance company has the correct VIN Number for proper reporting to the State of Arizona.
Vehicle owners in Arizona who don’t insure their vehicles with the minimum required car insurance limits, their AZ vehicle registration & AZ Driver’s License will be suspended by the State of Arizona.
You are required to carry an auto 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 a vehicle registered in the State of Arizona without an active Car Insurance policy meeting the State of Arizona’s minimum required limits of insurance, you will face the following penalties:
- Suspension of your Arizona Vehicle registration
- Suspension of your Arizona Drivers License
- Fines
Arizona Auto Emissions Test
Remember, if your auto is over 5 years old, the State of Arizona may require emissions testing before it can be registered.
What is the Average Cost of Auto Insurance in Arizona?
The average cost of Car Insurance in Arizona is $2,637 per year for full coverage and $813 per year for state-mainimum coverage. National averages are similar, coming in at $2,671. When looking at how much car insurance is in Arizona, however, keep in mind that every driver’s rate is different, based on personal characteristics that range from age and gender to driving history and credit rating. Start your search here for the best car insurance in the Grand Canyon State.
What factors affect your Arizona Car Insurance rates?
- Drivers Age: Younger drivers typically pay higher rates than older drivers.
- Your driving history: Drivers with clean driving records typically pay lower rates than drivers with accidents or traffic violations.
- The type of car you drive: More expensive cars typically have higher insurance rates.
- Your location: Drivers who live in more urban areas typically pay higher rates than drivers who live in rural areas.
Client Reviews & Testimonials
Arizona Insurance Agent
At Greene Insurance Group, our family has been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 63 years. As an local and family-owned Arizona Independent Insurance Agent, we offer insurance from top-rated insurance companies. Save time and the hassles of shopping for insurance and know our team is here to assist you with all your insurance needs. Our Licensed Insurance Agents will review your present insurance coverage and suggest the best protection at the most competitive prices. Greene Insurance Group will provide you with the peace of mind you deserve, knowing that your personal and business insurance needs are protected by trusted and licensed insurance professionals.
We provide best in class service to our clients
At Greene Insurance Group, we promise a personalized and best-in-class customer experience. We live and work here in Arizona and we’re ready to provide the best in personalized service. Our Licensed Arizona Insurance Agents work in our local offices, not remotely, ensuring your privacy and personal information are protected. It’s a commitment we stand by: We’ll answer your calls and return your emails – because that’s the way it should be. You can always depend on the professionals at Greene Insurance Group. Call or click for free AZ Insurance Quotes.
Arizona Independent Insurance Agent
As an Arizona Independent Insurance Agency, Greene Insurance customizes insurance coverage to fit our clients and their needs. As an Independent Insurance Agent in Arizona, you can relax knowing the Insurance Professionals at Greene Insurance Group are exploring personal insurance and business insurance coverage and rates from over a dozen top-rated insurance companies. As a Independent Insurance Agent in AZ, it’s our promise you as our client will always be our top priority.
Greene Insurance Group is an Independent Insurance Agent in Arizona serving these Arizona Communities:
Scottsdale, Phoenix, Paradise Valley, Fountain Hills, Cave Creek, Carefree, Anthem, Chandler, Gilbert, Queen Creek, San Tan Valley, Catalina Foothills, Marana, Oro Valley, Ahwatukee, Goodyear, Verrado, Litchfield Park, Surprise, Peoria, Prescott, Prescott Valley, Sedona, Flagstaff and surrounding areas. Call or click for free Arizona Insurance Quotes.
