Car Safety in Arizona

Arizona car insurance has many benefits and is rated as 43rd in the United States for auto insurance rates. This means Arizona has one of the cheapest car insurance rates in the country, while still maintaining excellent quality and value. Here is some key information about auto insurance in AZ.

General Information

Typical car insurance Arizona law includes two liabilities required by the state. One liability is bodily injury liability which requires fifteen thousand dollars per person and thirty thousand dollars per accident.  This covers the injuries to others in any accident that you are involved in regardless of whose fault is. The bodily injury liability does not, however, cover any injury to you in the accident. The person who is at fault is responsible for that coverage.

You are also required to carry property damage liability which requires ten thousand dollars coverage. This will protect you in an accident if there is property damage to others. It does not allow you to replace or repair your own vehicle if you are in an accident and the other person is at fault and does not own auto insurance.

Presenting proof of your Arizona car insurance is mandatory within thirty days of registration. However, proof of your insurance will be required immediately on-sight of any potential accident.  In addition, the state requires that you have proof of your car insurance kept in your vehicle at all times which is usually issued in card form by the insurer.

Shopping Tips

Allow yourself a month before your current policy expires to give you plenty of time to shop around and find the right insurance for you in Arizona. Car insurance is available at many different companies in several different locations in the state. No matter where you live in Arizona, you will be able to find a quality insurance policy for you.

Your current insurance policy will give you a good basis for comparison as you evaluate different quotes from the various insurance companies available in Arizona. Carrying a copy of your current insurance policy with you will help you answer questions more efficiently as you collect different car insurance rate quotes. As you search for your new policy of Arizona car insurance don’t be afraid to take your time to make sure it’s the right choice for you.