emmanuelUnderstanding Arizona Auto Insurance Minimum Requirements
Arizona is a fault state, meaning the at-fault driver in an accident is responsible for damages. So, the state requires all drivers to carry liability insurance to cover injuries and damages to others. Specifically, you’ll need:
- Bodily injury liability coverage of $15,000 per person and $30,000 per accident. This covers medical bills and lost wages for people injured in an accident you cause.
- Property damage liability coverage of $10,000. This pays for damages to the other vehicle or property in an at-fault accident.
You’ll also want uninsured motorist coverage in case you’re hit by a driver without insurance. While not required, it’s a good idea.
Beyond the minimums, you’ll want to consider additional coverage like collision, which pays for damages to your own vehicle. Comprehensive covers damage from things like theft, vandalism or natural disasters.
When shopping for quotes, provide the same info to multiple companies – things like your vehicle details, driving history, and coverage needs.
Compare quotes carefully based on price, customer satisfaction, and financial stability. Look for discounts like bundling multiple policies or usage-based options.
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How to Get Arizona Auto Insurance Quotes Online
Getting auto insurance quotes in Arizona is now easier than ever thanks to the internet. Rather than calling individual insurance companies and going through the long process over the phone, you can get quotes from multiple companies all at once online.
1. Comparison Shop Online
Go to insurance comparison websites that allow you to enter your information once and receive quotes from many different companies. Sites like TheZebra, NerdWallet, and CarInsurance.com are great for comparing quotes in Arizona.
Enter details about yourself, your vehicle(s), and your coverage needs and preferences. Within minutes, you’ll receive competitive quotes from companies like State Farm, Geico, Progressive, and more.
Compare the quotes based on factors like price, coverage, and customer satisfaction ratings. Look for a balance of a competitive premium, the coverage you need, and a reputable company with a solid financial rating.
2. Check Company Websites Too
In addition to comparison sites, visit the websites of companies you’re interested in, like Farmers, Liberty Mutual, or USAA. Many major insurers offer quotes on their own sites as well as some additional discounts or rewards programs for bundling other policies. You may find a lower rate by going directly through the company.
3. Be Flexible With Your Options
To get the best rates, consider raising your deductibles, dropping unnecessary coverage, bundling with other policies, and looking at usage-based programs. Ask about discounts for safe drivers, students, anti-theft devices, and bundling home or life insurance. Flexibility and openness to various options can lead to a better deal.
Shopping around for the best auto insurance quotes in Arizona will ensure you get the coverage you need at an affordable price. With some time and patience, you can compare multiple quotes and find the right policy to meet your needs.
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How to Compare Arizona Auto Insurance Rates to Find the Best Deal
Comparing Arizona Auto Insurance Rates to Find the Best Deal
To get the most affordable Arizona auto insurance, you’ll want to compare quotes from multiple companies. Each insurer uses its own formula to calculate rates, so prices can vary significantly between providers for the same coverage.
1. Check Major Insurers First
Start by getting quotes from large national companies like Geico, Progressive, State Farm and Allstate. These major players typically offer very competitive rates due to their huge customer base and marketing power. You may be able to save 10-15% or more just by switching from a small local company to a major insurer.
2. Compare Quotes Online
The fastest, easiest way to compare rates is on the companies’ websites or on an insurance comparison site like TheZebra.com, NerdWallet or CarInsurance.com. You’ll enter details about your vehicles and coverage needs and instantly see quotes from multiple insurers side by side. Make sure you’re comparing the same types and amounts of coverage for an apples-to-apples price comparison.
3. Consider Local Insurers Too
Don’t overlook smaller regional companies. While the big names dominate the market, local insurers often provide great service and competitive pricing to gain customers. Get quotes from a few Arizona-based insurers like Auto-Owners Insurance, Farmers, and Country Financial. You may find an even lower rate from a local company looking to win your business.
4. Ask About Discounts
Inquire about ways to lower your premium like bundling with homeowners insurance, installing an anti-theft device, taking a safe driving course, reducing coverage on older vehicles or raising your deductibles. Discounts can reduce your rate by 10% or more.
Conclusion
Comparing a wide range of quotes will allow you to find an Arizona auto insurance policy that gives you the best, most affordable coverage for your needs. With some rate shopping, you may save hundreds per year on your premiums.
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