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Arizona Car Insurance Minimum Coverage Limits and Shopping Tips

Finding car insurance in Arizona can be hassle free when you know what is required by the state. Everyone wants to save money on car insurance. Knowing what the state requires and knowing a few simple ways to lower your premium, can lead you to getting the Arizona car insurance that is right for you.

The required coverages in Arizona are $15,000 for each person, $30,000 for each accident, and $10,000 for property. You are likely to see this referred to as 15/30/10 coverage for liability. It's actually bodily injury property damage. This is because the state of Arizona follows a Tort system. This means someone must be found to be at fault for causing the accident. Once fault is determined, that person and their insurance company are responsible for all the damages.

One unique aspect of car insurance in Arizona is that state law says that all drivers of your vehicle are covered under your policy. Each insurance company has different ways to provide for this, including numerous exclusions, so be certain to inquire about this when getting a quote.

Arizona state law also allows you an option if your insurance gets cancelled or the company decides against renewing your policy. By filing an objection with the Arizona Department of Insurance within 10 days of receiving the notice you will open up an investigation into your complaint. The person to contact there is the director of insurance. This ensures that you are being treated fairly by your insurance company.

If you find it difficult to obtain coverage because of your driving history, you can be insured through the Arizona Automobile Insurance Plan. You can get information from any license agent.

Since the average Arizona insurance cost is slightly higher than the national average, finding ways to save money on your premium is important. First of all, you can improve your driving record by taking a defensive driving or other type of course to erase a minor citation. Many community centers or police departments offer these types of courses for free and they typically only take a few week nights or one Saturday.

Another way to save money on your car insurance is by asking about discounts. Each insurance company offers different types of discounts, but some of the most popular discounts are for good students, senior discounts, having a good driving record, and having a good credit score. Many companies will also give you a discount simply because you have an anti-theft device in your vehicle.

Finding Arizona car insurance can be simple when you understand what the law requires and how to save money by making some easy changes. You can start saving money on car insurance today.

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