There are many options to save money on Arizona auto insurance. It is possible to get very affordable Arizona car insurance rates by bundling your homeowners and auto insurance, or taking advantage of many discounts.
According to the U.S. Census Bureau Arizona has seen the greatest population growth in the past five years. Their estimated population was 6,166 318 in 2006, an increase of 20.2% over 2005. According to an insurance company report last year, Phoenix, Arizona was one of the top cities for automobile insurance premiums. This could be due to an increasing population, which has led to more cars on the roads (which increases the risk of getting in a car crash) and a rise for vehicle thefts in the entire state.
It does not necessarily mean that Arizona residents cannot get affordable auto insurance.
It is important that you understand that Arizona, like all other states, has minimum requirements regarding auto insurance in order to allow an individual to drive. The state requires that a person who wants to drive a motor vehicle must provide proof of their 15/30/10 coverage. The person must be able to prove that they have at least $15,000 in Bodily injury liability per person (per incident), $30,000 total Bodily Injury Liability (per accident) as well as $10,000 for property damage per incident. While the state doesn’t require individuals to have personal injury coverage, this coverage is vital in the event that an injury occurs during an accident.
A person can choose to purchase the minimum required AZ auto insurance if they want the cheapest AZ car insurance. Although you will pay less than the rest, you are still at risk in the event that an accident occurs. You can increase your deductible if you don’t want to pay this amount and want more coverage. Your out of pocket costs after a collision will rise, but your price will drop. You will still be able to get the coverage you want. The deductible is an important part of a policy. You should not raise your deductible if it isn’t possible to pay it. It can be costly in the end.
You can also bundle your services with one insurance provider to save money on Arizona car insurance. There are many insurance companies today that offer insurance for life, auto, home, and health. A common fact is that if you only stick with one company, they will likely reduce your rate by between 5-10%. This is because they value loyal customers and will lower the annual cost of your insurance.
Another Arizona car insurance discount is for drivers who maintain a clean driving record. In order to protect themselves against risk, it is important for car insurance companies to increase the price of drivers who are more risky. A huge discount will be available if you are a responsible, safe driver and have not been in any serious trouble within the last three year (including citations) Keep a clean credit history. Insurers base their pricing on the ability to pay on time and on a regular schedule. Because they can’t afford to make a payment on time, they will charge them more.
There are two other options available that will help you get the Arizona auto insurance policy at a low price. Another option is to ask insurance companies for special discounts. Many insurance companies offer good student discounts. Most will also allow you to lower your rate if they can prove that you’ve taken defensive driving lessons. Look out for discounts on car safety features (anti-lock brakes air bags and alarms), and if they do not place them in your car, they will lower the yearly rate.
Another thing to do to find Arizona low-cost car insurance is to shop around. If you visit more than one insurance company to compare prices, you will likely get a lower price than one that doesn’t. Online comparisons are possible even if you’re busy and unable to visit the insurance company in person. Find out about their history, plans, and discounts. But most importantly, read customer reviews. Satisfied customers are a sign of a good company.