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car insurance arizona - AZ

Overview and Law enforcement

By law in the state of Arizona it is required for drivers of motor vehicles to provide proof of Liability Insurance to operate on the roads and streets within the state. In addition to being a prerequisite for the registration of vehicles, if you do not have liability insurance, your license may be suspended and you may even end up in jail. If you are ever stopped by the police or involved in a car accident you must submit proof of auto Insurance.

In order to comply with the provisions of the law, all vehicles in the State of Arizona should be covered by a policy of minimum liability. The amounts are as follows:

  • $ 15,000 for death or personal injury
  • $ 30,000 for death or bodily injury to two or more persons
  • $ 10,000 for damage or destruction of the property of others

The SR 22 (also known as Financial Responsibility) is required as proof (SR 22 is not insurance, it's a form) to be insured when a driver commits an offense or crime. It can be costly for a driver because you must keep it for up to three years from the time of the suspension.

Usually, in Arizona the SR22 is required when a driver has had to restore his/her drivers license after being convicted of DUI, aggressive driving, driving without insurance, or any other driving violations that resulted in a suspension.

Determining your Auto Insurance in Arizona

Vehicle accidents represent higher costs and even more if they occur because of an irresponsible driver. The amounts we have mentioned so far only cover or protect against damage to other people or vehicles with who you can be involved in an accident or crash. These amounts are very low when compared with the amounts established by law in other States across the US.

You should consider the possibility of having an insurance policy to cover your expenses, your vehicle and the people inside the vehicle when an accident occurs. In the event of an accident, have you thought about the amount of money that you would have to pay out of pocket to cover these costs, if the minimum required by law does not come close to cover the medical expenses of moderate injuries in an accident?

We invite you to think a little further, and protect your life and property with the proper insurance coverage that's in accordance with reality. In the State of Arizona, it would be wise to ask the following questions: 

  • What would happen if you are involved in a car accident with an irresponsible driver who does not have his vehicle registered?
  • What would happen if the accident is with a young driver who does not have sufficient income to reimburse your expenses?

Car insurance is a very important purchase for the majority of Americans who drive. The reason being is that it is an expensive investment and secondly, it requires a lot of responsibility when deciding between one insurance company or another. You are more than free to do your own research and study the market and locate an insurance policy that covers your own property and that of others. You can start looking for Insurance Quotes on our website if you wish. The most important thing is that you become aware and take advantage of that benefit.

Due to facts just stated above, these insurance policies are usually a little more expensive than the minimum coverage set by the state of Arizona. As a useful tip, you must also consider that insurance companies classify and study the strengths and weaknesses of their customers (ex: age, gender, marital status, education level, your driving record as good or bad driver, etc.) to determine the groups where they belong. But in any case, you (the consumer) have the final word, and you are the one who determines the amount of coverage and against who or what things you will be protected.

The Car Insurance Companies in Arizona

Just as car insurance companies do their own research and analyze their future clients, you should do the same. In the past, many people have been victims of fraud, or of the companies simply ending overestimating the customer's policy.

Insurance companies use adopted strategies by way of assessment, and some of these produce results as conditions. And we already know that these conditions can be difficult and risky. Based on this, a good way of evaluating a potential car insurance company would be factors such as:

  • Response time of claim or lawsuit
  • Ask other drivers about their experience with their companies.
  • For instance, ask them what type of claim they've placed, and how satisfied they are with the response. 

From our perspective, a good choice when it comes to deciding would be an insurance company that focuses on the specific characteristics of each customer and materializes a comprehensive insurance policy with all the protections that are handled in the market today, and that is able to maintain an affordable price / cost. But we know that not all cases are the same and can not be handled in a generic pattern.

It never hurts to be over prepared, by establishing your priorities and needs. An important tip is to compare the prices of coverage when you are deciding to finalize the purchase. And remember to ask for discounts! Discounts are good! Remember that insurance companies use discounts to attract new customers. But if it is for your safety and that of others, we believe it is worth spending a little more money on good coverage. Our conclusion and recommendation is to be a careful and responsible driver, who complies with all traffic laws, which in turn will allow you to protect and keep your driving privileges. This is the most effective and efficient way to save money on auto insurance.

It is likely that you may have had a bad experience or are not currently satisfied with your insurance company. If you have a complaint please do not hesitate to submit it to the Division of Insurance of the State of Arizona.  All insurance companies must be registered with this department. They are there to help customers and may investigate or take actions to audit (within the legal framework) the policies and procedures of insurance companies. This may seen drastic, but it will only improve standards and provide better service to its customers.