AZ Car Insurance Quotes
Greene Insurance Group is your one stop for the best coverage and rates on AZ Car Insurance.
As an Arizona Independent Insurance Agent, Greene Insurance compares Arizona Car Insurance rates from dozens of top-rated insurance companies to find the best coverage and prices on Arizona Insurance.
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 toward repairs 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, most banks will likely 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.
Ways to help lower your Arizona Auto Insurance Costs
Bundle your Arizona Auto Insurance with your Arizona Home insurance and you could save up to 40%.
- Bundle your Arizona Auto Insurance with your Arizona Home Insurance
- Bundle your Arizona Auto Insurance with your Arizona Renters Insurance
- Bundle Arizona Auto Inurance with your Arizona Condo Insurance
Good Student Discount Do you have a student in high school or college with a GPA of 3.0 or better? You could qualify for a Good Student discount if your child is listed as a driver on the car insurance policy, over 16 years of age and is a full-time student (high school or college). Eligible high school and college students may receive Arizona Insurance Discounts for maintaining a higher grade point average (GPA). Each insurance company has different requirements, ask your Arizona Insurance Agent at Greene Insurance for more details.
Arizona Auto Requirements
If you own and register a Car in The State of Arizona, you’re required to obtain Arizona Auto Insurance. It is important if you have relocated from another state to Arizona, you obtain Arizona Auto Insurance ASAP before you register your vehicle in Arizona. If you look at the top of your Auto Insurance ID card, it should read “Arizona Auto Insurance ID”. If it has the name of another state and not Arizona, you’ll need to obtain Arizona Auto Insurance ASAP to comply with Arizona State Laws. *It is important to note, If you DO NOT purchase Arizona Auto Insurance as soon as you register your vehicle in Arizona, your Arizona Vehicle Registration will be suspended and as the vehicle owner, you will be fined under the Arizona Mandatory Insurance Law. All vehicles registered in the State of Arizona must be insured with Arizona Auto Insurance under the Arizona Mandatory Insurance Law.
Arizona Auto Insurance Minimum State Limits
Arizona requires drivers to maintain auto insurance coverage that meets or exceeds the state minimum by Arizona Law. * * As of July 1, 2020, Arizona Auto Insurance (State Minimum) Liability Limits increased to:
- Bodily injury liability coverage: Minimum $25,000 bodily per person / $50,000 per accident
- Property damage liability coverage: $15,000 minimum
- Uninsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident
- Underinsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident
Note: While we do not recommend it, Policyholders may reject uninsured and underinsured motorist coverage by signing a rejection form. Ask a licensed agent for details. *While this is the Arizona State Minimum for Car Insurance, we suggest our clients protect themselves by maintaining higher than state minimum auto insurance limits.
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 Agency
Providing Best in Class Service
Since 1962, our family has pledged to protect families and businesses through personal and business insurance products. As an Independent Insurance Agency in Arizona, Greene Insurance Group will review your present insurance coverage and help you compare insurance rates from dozens of top-rated insurance companies. Greene Insurance Group will be your local Arizona Insurance Agent and we’ll be here to make any changes to your policy, answer questions regarding your insurance coverage or potential claims. You can trust our team of professionals for best in class service.
Arizona Independent Insurance Agent
Greene Insurance Group is an locally-owned Independent Insurance Agent in Arizona offering personal insurance and business insurance from top-rated insurance companies. Unlike many other insurance agencies in Arizona, Greene Insurance Group isn’t owned by an insurance company and we offer insurance from dozens of top-rated insurance companies. We’re a locally-owned Arizona Independent Insurance Agent allowing us to customize insurance coverage to save our clients time and money.
Insurance from Top-Rated Insurance Companies:
Some of the insurance companies we represent in Arizona include: Auto-Owners, Chubb, Cincinnati, Foremost-Farmers, The Hartford, Liberty Mutual, Main Street-American Family, Mercury, National General-Allstate, Nationwide, Openly, Pacific Specialty, Progressive, Safeco-Liberty Mutual, Travelers, West Bend and many more specialty insurance companies.
Some may assume purchasing insurance online or direct from an insurance company offers more savings. We have found this isn’t the case. Clients who compare our insurance quotes, coverage, discounts and features versus those of our competitors, find the insurance quotes and service we provide rival our competitors.
Greene Insurance Group of Arizona proudly serves the following communities:
Phoenix, Scottsdale, Paradise Valley, Cave Creek, Carefree, Fountain Hills, Anthem, Chandler, Gilbert, Mesa, Queen Creek, San Tan Valley, Tucson, Marana, Oro Valley, Ahwatukee Foothills, Goodyear, Litchfield Park, Waddell, Buckeye, Surprise, Glendale, Peoria, Prescott, Prescott Valley, Flagstaff, Sedona and surrounding areas.
