AZ Car Insurance Quotes
We offer AZ Car Insurance Quotes from top-rated insurance companies to find the best coverage and prices.
Arizona Auto Insurance Coverage
Collision Insurance – Pays for damage caused to your car in an auto accident. Collision Insurance coverage usually comes with a deductible. The deductible is the amount of money you pay when placing a claim before the car insurance collision coverage begins paying. You may lower your auto insurance rates if you are willing to pay a higher deductible. Although it’s not legally required by The State of Arizona to carry collision coverage on your Arizona Car Insurance, lenders will require this coverage if your vehicle is financed or leased.
Comprehensive Insurance – Covers damage to your car in some way other than a collision. Some examples of Comprehensive Insurance coverage would include: if your vehicle is stolen, vandalized or catches fire. In addition, flood and windshield damage to your vehicle can provide coverage under Comprehensive Insurance coverage on your Arizona Auto Insurance. Although it’s not legally required by The State of Arizona, most banks will likely require Comprehensive Insurance Coverage if your vehicle is financed or leased.
AZ 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 AZ 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 AZ
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
SR-22 Auto Insurance in Arizona
Financial Responsibility Insurance (SR-22/SR22), helps monitor drivers with poor driving records by ensuring that they have car insurance. You may be required to purchase SR-22 insurance and file an SR-22 certificate if you:
- Have several traffic violations on your record.
- Have several insurance violations.
- Have had your driver’s license suspended or revoked.
Your car insurance company can file an SR-22 certificate with the State of Arizona on your behalf.
What determines AZ Car Insurance Prices
When shopping for AZ 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.
Arizona Car Insurance Requirements
To comply with Arizona Insurance Laws, you are required to maintain liability insurance and property damage on your automobile insurance.
Liability insurance helps cover your costs associated with injuries and property damage to others resulting from a car accident you cause.
As of July 1, 2020, the Arizona State Minimum Car Insurance Limits:
- $25,000 for bodily injury per person
- $50,000 total for bodily injury per accident
- $15,000 for property damage
The State of Arizona monitors your car insurance status by checking vehicle identification numbers (VIN) to ensure each vehicle carries the Arizona Mandatory Car Insurance Limits. Don’t be caught off guard. The State of Arizona will suspend drivers licenses and vehicle registrations on those motorists without the State Minimum Limits.
Greene Insurance Group – Arizona Insurance Agent
Insuring families & businesses since 1962
Since 1962, our family has been protecting families and businesses through personal and business insurance products. As an Arizona Independent Insurance Agent, the Insurance Professionals at Greene Insurance will review your present insurance and compare insurance rates from over a dozen top-rated insurance companies.
Commercial Insurance:
We provide best in class service to our clients
At Greene Insurance, We promise old-fashioned customer service. We live and work here in Arizona and we’re ready to provide the best in personalized service. We work in local offices, answer our phones, return your phone calls and emails and we’re here to serve you! You can depend on the Professionals at Greene Insurance Group.
Arizona Independent Insurance Agent
Why select Greene Insurance Group?
At Greene Insurance, we customize insurance to fit our clients and their individual needs. When you call Greene Insurance Group, you can relax knowing as an Independent Insurance Agency and we’ll comparing insurance rates and coverage from dozens of top-rated insurance companies.
At Greene Insurance Group, it’s our promise you will always be our top priority
Benefits of working with Greene Insurance Group:
- Choice and Flexibility: As an Independent Insurance Agency, Greene Insurance Group isn’t limited to a single insurance company, we represent dozens of top-rated insurance companies allowing us to better serve our clients and their needs.
- Personalized Service: At Greene Insurance, we offer a higher level of personalized service. As our client, your account is assigned a Licensed Account Manager to assist with policy questions, changes, billing and claims.
- Expertise and Advocacy: With extensive knowledge of the insurance marketplace, Greene Insurance Group can demystify the intricacies of various insurance policies and coverage options. Additionally, the licensed professionals at Greene Insurance Group act as advocates for our clients, helping to navigate the claims process and ensuring our clients receive fair treatment from insurance companies.
- Local Knowledge: Greene Insurance Group is locally-owned and deeply rooted in our community. Our local presence ensures our team understands the needs of our area, offering insights larger insurance agencies or companies located out of state may miss.
- Ongoing Support: The relationship we develop with our clients is why they refer their friends and family to Greene Insurance Group. When purchasing insurance through a website or call center, who do you call for questions? You need the team at Greene Insurance Group.
We offer best in class service to our clients
We know how difficult and frustrating it can be when calling a business and unable to reach a live person or transferred from department to department.
Many companies have closed their local offices, downsized their staff, and some transfer calls to overseas call centers. Other companies are forcing their customers to utilize chat bots, leave voicemails and sometimes wait days for a return call. At Greene Insurance Group, we understand how frustrating it can be having no point of contact or local office to visit when you have questions. Once you select Greene Insurance Group, we’ll remain your Insurance Agent and our team will be here to assist with questions, changes to your policy, billing and claims questions. At Greene Insurance, we promise to answer your calls, return your emails and our team of professionals work in local offices utilizing secure protocols to protect our clients and their privacy. It’s our promise to always deliver first class service to our clients.
Greene Insurance Group serves the following Arizona communities:
Phoenix, Scottsdale, Paradise Valley, Fountain Hills, Cave Creek, Carefree, Anthem, Chandler, Gilbert, Mesa, Queen Creek, San Tan Valley, Tucson, Catalina Foothills, Marana, Oro Valley, Ahwatukee Foothills, Goodyear, Verrado, Litchfield Park, Surprise, Sun City, Sun City West, Sun City Festival, Sun City Grand, Glendale, Peoria, Prescott, Prescott Valley, Sedona, Flagstaff and surrounding areas.
