Minimum Coverage Car Insurance In Arizona

Reader’s Question:

What is the required minimum coverage car insurance in Arizona?

Halley

Glendale, AZ

 

In Arizona all drivers are required to have a minimum coverage car insurance of:

$15,000 Bodily Injury Liability limits per injured person up to a total of $30,000 per accident

$10,000 Property Damage Liability coverage per accident. This basic coverage is often referred to as 15/30/10 coverage.

You can obtain Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state) but this is not required. This type of coverage though can be very helpful.

The auto insurance is continuously increasing. It is essential to shop for auto insurance so you obtain the cheapest auto insurance rate!

Cheap Car Insurance Arizona

Reader’s Question:

I’m in school right now and am considering purchasing a car. Is there a way for me to get cheap free car insurance somewhere here in Arizona?

Jacky

Phoenix, Arizona

It is very alluring, the idea of free car insurance, but, Jacky, there is no such thing as free car insurance anywhere in the United States. Each state, in fact, including Arizona, requires each driver to purchase a minimum form of insurance plan, most often liability insurance, in case you as a driver get into an auto accident. You know, for damages, lawsuits and such.

Auto manufacturers may be toying with the idea of a free car insurance, but they face mountains of challenges in coming up with coverage plans especially for the different types of drivers who buy their cars. So, what auto manufacturers do is that they offer incentives to their customers for gas allowance, discounts upon auto purchase, and other freebies to sweeten the deal. It is an attractive idea especially if the cost of car insurance, as well as other types of insurance policies, comes into the picture, but for now, it is not yet practical.

What you can do, though, would be to lower the cost of the car insurance that you pay for. There are different ways to do that. Shop around, get free car insurance quotes from companies. Compare policies of each company, and get tips on how you can lower your cost for car insurance.

 

Uninsured Motorist Car Insurance In Arizona

Reader’s Question:

In Arizona, what does uninsured motorist car insurance cover?

Andrea

Phoenix AZ

The Uninsured Motorist car insurance in Arizona covers you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a motorist who has no car insurance. This is according to the Arizona Department of Insurance.

There is also Underinsured Motorist coverage which covers you or passengers in your car for bodily injury you or your passengers sustain in an accident involving a motorist who does not have enough insurance to cover the your injuries or your passengers.

This coverage also covers your medical bills, loss of earnings and pain and suffering if you suffer injuries due to negligent motorist who lacks auto insurance, including a hit-and-run driver.

Will Adding Additional Driver to My Policy Increase My Auto Insurance Rates

Reader’s Question:

Will adding another driver in my auto insurance policy increase my current premium? I got my auto insurance here in Arizona.

Clarisse

Phoenix, AZ

Yes, adding another driver into your auto insurance policy definitely leads to additional costs to your current premium. Every person covered by your auto insurance policy presents risks while operating your vehicle. These risks are what the insurance policy is trying to protect you from.

As a rule, an auto insurance company will look into the motor vehicle record of each person covered by your policy. Each one will be evaluated according to the insurance company’s rating standards. The one that has the poorest driving record will be considered as the one presenting the highest risk. This rating will then be translated into dollar amounts and will determine the additional cost entailed by the additional coverage. Therefore, if you plan to add another driver in your auto insurance policy, you should identify what kind of risk your additional driver will present to know if you will have big or minimal additions.

Each auto insurance company in Arizona has its own set of guidelines for rating a driver. Therefore it is they who really decide on how to go about with the coverage of each member or driver of your household. But regardless of the cost implication, you should tell the auto insurance company about any additional members of your household and describe to the company who frequently uses your vehicle. The auto insurance agent should discuss with you if the members would be regarded as occasional driver or as the primary driver of your vehicle.

What Should My Limits Be For Auto Liability Insurance in Arizona?

Reader’s Question:

I recently spoke to an auto insurance broker here in Arizona who told me that I am required to buy at least $25,000 worth of liability on a car insurance coverage, is that for real?

Tom

Phoenix, AZ

In essence, yes, you will need to buy a certain level of coverage from your auto insurance broker there in Arizona (or from anyone who is allowed to sell car insurance in your state, for that matter). Your car insurance broker was probably referring to the minimum levels of liability insurance that you need to get, as stated by the financial responsibility laws of your state.

To be more accurate, you need to get a coverage that has 15/30/10 on liability insurance. This means that your policy should be able to pay someone $15,000 at the least if you happen to cause bodily injuries in a car accident, $30,000 worth of coverage for all people that got hurt in the car accident and $10,000 that will be used to pay for loss or damages that is caused to property.

Again, these are the least amounts of liability auto insurance that you can get but it is highly recommended that you buy more. You can easily be sued for higher amounts than what the state minimum requirements are so if you can buy more, buy as much as you can afford. Also, don’t forget to shop around, just because you are dealing with a human doesn’t mean you are getting the best rates. There are many auto insurance portals like this web site that provides accurate insurance quotes, can even help you find discount auto insurance offers as well as compare rates from many different carriers.

What Is The Required Auto Liability Insurance in Arizona

Reader’s Question:

I recently spoke to an auto insurance broker here in Arizona who told me that I am required to buy at least $25,000 worth of liability on a car insurance coverage, is that for real?

Tom

Phoenix, AZ

In essence, yes, you will need to buy a certain level of coverage from your auto insurance broker there in Arizona (or from anyone who is allowed to sell car insurance in your state, for that matter). Your car insurance broker was probably referring to the minimum levels of liability insurance that you need to get, as stated by the financial responsibility laws of your state.

To be more accurate, you need to get a coverage that has 15/30/10 on liability insurance. This means that your policy should be able to pay someone $15,000 at the least if you happen to cause bodily injuries in a car accident, $30,000 worth of coverage for all people that got hurt in the car accident and $10,000 that will be used to pay for loss or damages that is caused to property.

Again, these are the least amounts of liability auto insurance that you can get but it is highly recommended that you buy more. You can easily be sued for higher amounts than what the state minimum requirements are so if you can buy more, buy as much as you can afford. Also, don’t forget to shop around, just because you are dealing with a human doesn’t mean you are getting the best rates. There are many auto insurance portals like this web site that provides accurate insurance quotes, can even help you find discount auto insurance offers as well as compare rates from many different carriers.