There are many different ways to find an affordable car insurance policy in Arizona. From combining auto insurance and homeowners insurance to taking advantage of various discounts, it is certainly possible to find a very cheap Arizona auto insurance rate if one is simply willing to put in the effort.
Arizona is one of the states with the highest demographic growth since 2005 according to the US Census Bureau. Its estimated population for 2006 is about 6,166,318 and has increased by 20.2% since 2005. According to the report of According to insurance companies last year, one of the cities with the highest auto insurance premiums was Phoenix, Arizona. This could be due to the fact that the population in the state has been increasing steadily, leading to more cars on the road (increasing the risk of being in a car accident) and an increase in vehicle theft rates in the whole state.
However, this doesn’t mean that people in Phoenix and all of Arizona can’t get cheap auto insurance. In fact, cheap auto insurance within the state can be achieved in many ways and in this article we will give you just a few of the many tips available to help you find the long-awaited low-cost Arizona auto insurance policy you’ve been looking for. been searching.
It is important to understand that the state of Arizona, just like any other state, has minimum auto insurance requirements for a person to drive. A person seeking to get behind the wheel of a motor vehicle in the state must provide proof of what is called 15/30/10 coverage. This means the person must have at least $15,000 bodily injury liability per person (per accident), $30,000 bodily injury liability total (per accident), and $10,000 property damage per accident. The state, like many others, does not require a person to have personal injury protection coverage, however, in the event of an injury during an accident, it is essential to have this coverage.
If a person wants the cheapest AZ auto insurance possible within the state, they may choose to purchase the state’s minimum requirements. You will pay less than many others, but you will have some risks in the event of an accident. If you don’t want to do this and want more coverage, you can always consider raising your deductible. By doing this, your price will go down because your out-of-pocket cost after an accident will go up, yet you’ll be able to keep the coverage you want. One important thing to remind readers is that the deductible is an important thing in the policy. Don’t increase your deductible if you can’t afford it because it could hurt you in the long run.
Another thing you can do to get cheap car insurance rates in AZ is to bundle your services with a single insurance provider. Today there are many insurance companies that offer life, home, health, automobile and even accident insurance. If you only stay with one insurance company and buy all the services from them, a common thing is that they will surely reduce your rate by 5-10%. One of the reasons for this is that you are a loyal customer and by reducing the amount of money you will have to pay annually, they hope to keep you for a while.
Some other available Arizona auto insurance discounts include a discount for maintaining a good driving record. It is imperative that auto insurance companies charge risky drivers more to protect themselves from risk. If, on the other hand, you’re a good defensive driver who hasn’t gotten into any trouble in the last three years (including citations and accidents), you may be able to get a big discount. Also try to try to maintain a good credit report. Many insurers base their prices on a person’s ability to pay regularly and on time. They will charge people with bad credit more because they can’t afford a late payment.
Finally, there are two more options that will get you the cheap Arizona auto insurance policy you’re looking for. One of them is that you look for special discounts from insurance companies. Most insurers offer good discounts for students, and most companies will allow you to pay a lower rate if you can show that you took a defensive driving class. Also look for discounts on car safety features (anti-lock brakes, airbags and alarms) and if you don’t have them, put them on your vehicle, they will lower the annual fee.
The other thing you need to do to be successful in finding low-cost car insurance in Arizona is to shop around. A person who goes to more than one insurance company to ask for prices will probably find a lower price than someone who doesn’t. Even if you are a busy person who cannot go in person and search, just go online and compare insurance companies. Know your history, your plans and your discounts; but the most important thing is to look at customer reviews. A good company is one that satisfies its customers.