Arizona Auto Insurance Coverage
Every state in the U.S. has a strict set of guidelines for governing how much auto insurance protection its drivers are required to have before owning or operating a car or other motor vehicle on public roadways. Minimum insurance requirement are usually divided into two categories: bodily injury and property damage. In Arizona, you must maintain a minimum of $10,000 in property damage liability, and you must have at least $15,000 in bodily injury liability coverage with a maximum of $30,000 per accident.
Arizona Auto Insurance Premiums
Regardless of what area of Arizona you live in, your insurance premiums will reflect the total losses of your insurance company statewide. That is why regardless of how good of a driver you are or what type of coverage you have, your insurance premiums may rise from year-to-year. Rather than attempting to save money by opting for minimum state coverage that will not cover your own bodily injury or property damage expenses, consider shopping your rates at least once per year to determine whether you can find a more affordable premium elsewhere.
There are two ways of comparing insurance quotes in Arizona. The first is by contacting multiple insurance agents to obtain individual quotes from various insurance companies. This method is time-consuming, and you may feel significant pressure from insurance agents to purchase from their companies.
A faster way of getting insurance quotes from multiple carriers is by contacting an independent auto insurance provider. For example, if you live in Tempe or Phoenix, you could contact the Hayden & Hayden Agency to get multiple no obligation quotes. Because the Hayden & Hayden Agency provides quotes for multiple insurance companies, you can compare rates without bias.