Cheap Arizona Auto Insurance

Everyone needs auto insurance, but no one wants to pay an arm and a leg. Fortunately enough, there are plenty of options in cheap Arizona auto insurance. Of course, you’ll need a little help, as no one wants to sift through all of the company’s information. With that in mind, we developed our easy to use free quote tool that has helped many people make informed decisions!

If you’re on the hunt for cheap Arizona auto insurance, there are a few things that you should know beforehand. The state of Arizona requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Arizona but it is recommended. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

Of course, if you’re looking for a different carrier for your insurance, which may be the case if you want cheap Arizona auto insurance, you’ll have to determine the status of your existing policy. If your policy lapses or cancels, you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away. If you believe your policy has been revoked without just cause, you have ten days to contact the Arizona State Director of Insurance to plead your case. If you have made multiple attempts to purchase insurance and have had no success, you may be able to obtain coverage through the Arizona Auto Insurance Plan.

Arizona insurance companies can use your credit history to accept applicants and set insurance rates, which is assuredly the easiest way to obtain cheap auto insurance in Arizona. They may also use your credit score to determine your risk factors. Since Arizona is a Tort state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance. The average insurance premium in Arizona is approximately $913.00 and the state is ranked as the 14th most expensive for insurance premiums in the nation.

There are 76 officially accepted insurance companies listed in Arizona, most of which offer cheap Arizona auto insurance. Three major companies with the overall lowest premiums were Badger Mutual, Fidelity National, and Government Employees Insurance Company. This was based on a couple in their 80’s living in Safford, Arizona. The company with the overall highest rates across all age and marital status groups was Sagamore.

One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company, one very finite way of acquiring cheap auto insurance in Arizona. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti- theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums, as they consider just about everything when determining whether or not a person will receive the cheapest auto insurance in Arizona.

It’s vital that a person considers what insurance companies are looking for when they’re issuing policies. If you are going to receive cheap auto insurance in Arizona, you’ll have to be able to discern whether or not you’re a great candidate. Also, you’ll need some great quotes. Fortunately enough, we’re a premier leader in providing them with our free quote tool!

Source: Arizona DUI Laws, Arizona (AZ) Teen Auto Insurance Laws, Arizona Car Insurance Laws

Useful links:
Arizona Division of Motor Vehicles
Arizona Division of Insurance
Arizona Department of Revenue

Bodily Injury Liability Per Person: $15,000.00 Limit
Bodily Injury Total Liability: $30,000.00 Limit
Property Damage Liability: $10,000.00 Limit

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