Arizona Car Insurance

arizona

Arizona minimum vehicle insurance coverage mandates that every car is covered with at least liability coverage with bodily injury coverage of at least $15,000 per person and $30,000 per accident, property damage coverage of $10,000 per accident.

In AZ, drivers are required to prove that they have the resources to be financially responsible for damages incurred in car accidents.  This can come in the form of proof of insurance or a Certificate of a deposit of $40,000.

As the average person does not have $40,000 lying around, getting Arizona car insurance is the more practical option.  Not having proof can result in serious consequences such as fines and license suspension.

What is Comprehensive Car Insurance and What Does it Cover?

A comprehensive car insurance policy covers accidental damage to the insured’s vehicle.  It also covers their legal liability.

The term legal liability is used to describe a situation where the insured person is at fault during an accident and/or car related incident.  Due to their role in the situation, they are legally help responsible for any financial loss that is a result of the event.

If a person is not insured, he or she will have to pay to repair damage, replace parts or pay for other expenses such as medical care.  When uninsured drivers do not have insurance or enough cover to pay damages, they are often taken to court.

In court, the judge will order the liable party to pay off their debt in full.  When the guilty party cannot do this, they will be required to make small payments towards their debt or file for bankruptcy.

Bankruptcy is not a good option for either party.  The bankrupt person will lose their assets and credit rating and the other driver may never get the money they were awarded.  Having a good Arizona auto insurance policy with sufficient liability coverage will prevent this from happening.

Arizona is definitely is one of the cheaper states for car insurance. It is ranked #37 out of 51 states with an average estimated annual premium of just $1,103. This numbers are based on a recent study done by Insure.com. Your quote will differ from average, but this is a good indicator that AZ is a perfect state to get affordable coverage for your car or truck

Like many other states, Arizona sets limits on how much liability cover a driver has to have.  These are listed below:

  • Bodily injury coverage of at least $15,000 per person and $30,000 per accident.
  • Property damage coverage of $10,000 per accident.

Liability is not the only event covered by a motor vehicle insurance policy.  Other insured events include:

  • Damage to the insured party’s vehicle regardless of whether they caused the accident or not.
  • Damage caused by external factors such as weather, fire, theft and wildlife.
  • Damage caused by uninsured drivers.  This also covers a situation where an insured driver does not have enough insurance to cover the cost of the damage.  An example of this is when repairs cost $11,000 and the at fault party is only insured for $10,000
  • Medical payments if the insured is hurt during an accident.
  • Rental car reimbursement.  Drivers that do not have another car may need to rent a vehicle while their car is being repaired.  Some insurers cover the cost of this service.
  • Glass coverage.

The easiest way to get Arizona car insurance is to contact an insurance company and ask for a quote.  If the consumer is happy with the quote they can activate the policy immediately.

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