Auto Insurance In Arizona
Readers Question:
I need help in getting auto insurance in Arizona. Can someone help me?
Paige
Phoenix, AZ
Sure Paige.
The required auto insurance in Arizona is fairly basic. One, you must remember that as long as you are operating a motor vehicle on the streets of Arizona, then you must meet the required financial responsibility laws in this state. And in general, drivers opt to maintain auto insurance coverage to meet such requirement. Another is that you need to know that there are minimum required auto insurance limits in Arizona and that includes:
$15,000 for bodily injury liability per person
$30,000 for bodily injury to cover for two or more persons
$10,000 for damage on property.
Meanwhile, since it looks like you are about to purchase auto insurance in Arizona, let me just give you helpful tips on how can you get cheap auto insurance rates here. Following are the usual discounts that auto insurance companies offered:
Good driver discount: For drivers who are not involved in any accidents
Multiple Vehicle Discounts: For insuring more than one vehicle under the same auto insurance provider
Multiple Vehicle Policies: For getting multiple auto insurance policies from the same auto insurance provider
Low Driving Miles: For drivers who drive less frequently
To know on how you can avail of these auto insurance discounts, contact your auto insurance agent as early as now.
Buy Cheap Teen Auto Insurance In Arizona
Reader’s Question:
My younger cousin will be getting her first car and she’s asking me to help her find ways on how to get cheap teen auto insurance in Arizona. I’ve long passed the stage of being a teen driver so I forgot the things that could help her save on her insurance premiums. Can you help?
Lily
Deer Valley, AZ
It is not unusual to see high teen auto insurance rates in Arizona or anywhere in the country. Teen drivers are often involved in accidents. In fact, they are involved in accidents three times more than drivers that are 20 years old and above.
But, once your cousin reaches the age of 25, then she may see a change on her auto insurance rates. I know your cousin wouldn’t have a control over that. So aside from her age, there are other ways that your cousin could control to get cheap teen auto insurance.
For one, she could get a discount if she attended a driver’s education program. A discount for that could be around 10 % to 20%.
Moreover, a good student discount is possible if your cousin is able to get good grades like a B average or better. The discount for that could be 20%.
Also, it would be better if your cousin will make it a habit to drive less since this will significantly lower her annual driving miles. This does not only reduce her auto insurance rates but will also reduce her chance of getting into an accidents or be ticketed.
Finally, you could also help your cousin to shop for her auto insurance needs through the Internet. But I’m guessing that your cousin will be added under her parents’ insurance policy. That would be good for now since she could save more by doing that rather than buying her own insurance policy.
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