The rates for Arizona auto insurance can be sky high. And believe me — I know. I reside there. However, there are ways to receive an economical Arizona auto insurance quote. Here is how:


Arizona Auto Insurance Requirements: Liability insurance is the only coverage required by the state of Arizona for those who wish to license a car there.

Liability Insurance: Liability insurance covers property damage and physical injury claims made against you in an accident where you are at fault.

In Arizona, the minimum bodily injury liability coverage is $15,000 per person, with a maximum of $30,000 per accident. Ten thousand dollars is the minimum property damage coverage allowed.

If you don’t own a lot of assets that you could lost in a lawsuit, this minimum coverage, known as 15/30/10, can be your best choice. If you have a lot of assets, it is a good idea to get enough coverage to protect yourself from personal injury lawsuits.

Personal Injury Protection: In the event of an accident, Personal Injury Protection covers reasonable and necessary medical expenses for you and your passengers. It’s a good idea to carry at least the minimum coverage, especially if you don’t have medical insurance; however, this is not required by the state of Arizona.

Uninsured Motorist Protection: With Uninsured Motorist Protection, you and your passengers’ medical expenses and property damage expenses are covered in the event that there are expenses caused by a hit-and-run driver, an underinsured driver, or an uninsured driver. As one-quarter of Arizona residents drive without insurance, it is highly recommended that you buy this coverage.

Comprehensive and Collision Insurance: Damages to your car as a result of fire, hail, theft, vandalism, and so on, are covered by comprehensive insurance. Collision insurance makes payments on damages done to your car when you are in an accident, no matter whose fault it is.

By getting the highest deductible you can afford to pay, you will save money on comprehensive and collision insurance.

How to Get the Best Rate: Finding the best auto insurance rate in Arizona is a matter of comparison shopping. A number of companies can provide a quote in just a few minutes so that you can select the most cost effective rate for you. By comparison shopping, some Arizonans are able to save as much as $1000 annually on their insurance.