$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.

Hi! If you’ve been in a collision before, is it true that you’ll be having a hard time applying for auto insurance again once your insurance policy expires? I’ve been involved in a car collision here in Deer Valley Arizona AZ.

Miguel

Deer Valley, AZ

Hi there Miguel.

That’s an interesting question, and much more an interesting subject. There are indeed a lot of misconceptions with regards to getting insurance while having bad driving history. So in order to clear up your mind, let me tell you what auto insurance companies in Deer Valley Arizona AZ think and do about the matter.

You see, auto insurance companies look at applications before they approve them. They usually favor those applications that are low risk. Low risk applications are usually from applicants who have the least chances or possibilities of claiming auto insurance from them. How do they determine that? They look at your driving history. If you have had records of driving under the influence, causing a car collision or various misdemeanors on the road – then you can be considered high risk, as is a possible risk of recurrence. If you have a clean record, then you’re definitely low – risk.

Having a history of collision may not necessarily make you a high risk applicant. Insurance policies in Deer Valley Arizona AZ aren’t that harsh when it comes to judgment, and they usually look at the details surrounding the collision. You may not have caused the collision and could only have been the victim of it, so it doesn’t necessarily mean that you’re high risk.

All in all, if you have bad driving history, insurance companies wouldn’t necessarily deny your application. They can approve your application and you can certainly get auto insurance, still. But your insurance company would definitely charge you with higher premiums.

You can start by looking for auto insurance companies in or near Deer Valley, Arizona. Just type in your zip code in the appropriate space provided. Hope this helps you!