What are some of the things that I need to know to find cheap AZ SR-22 car insurance? Understanding what exactly the Arizona SR-22 regulations require is an important first step to overcoming traffic blemishes in the past and moving on to an affordable Arizona car insurance policy. First of all, an SR-22 is not insurance. It is simply proof of insurance and is required by most states, including Arizona, for those who have had serious motor vehicle citations. Generally, it is just a piece of paper stating your financial responsibility, or certified proof of insurance.

How To Find SR-22 Auto Insurance In Arizona

In Arizona, an SR22 is available to those who need it by purchasing a policy with the minimum amount of liability coverage. It is exactly the same coverage as a policy without an SR-22. The only difference is that when your insurance company issues the SR-22, it immediately contacts the appropriate Motor Vehicles Department whenever you cancel your policy or remove a vehicle from that policy. Essentially, the SR-22 allows the MVD to keep tabs on your insurance status in order to protect other motorists from potentially harmful drivers.

So if you’re an Arizona resident, all you have to do is let your insurance provider know you need an SR-22 and obtain the paperwork to turn into the Motor Vehicles Department. Your provider will do the rest. Don’t worry, though, most people only need an SR-22 for a 3 year time period. After that, you don’t have to worry about proving to the MVD that you have insurance. You just need to have it.

Causes And Penalties Of The SR-22 In Arizona

The two most common reasons why drivers need an SR-22 is by getting too many tickets for driving without insurance and major charges like Driving While Intoxicated (DWI). If the vehicle you drive gets too many tickets, you’ll need an SR-22 in order to reinstate your suspended registration. If there is an infraction against you, you’ll need the SR-22 to keep or reinstate your license.

Compare SR-22 Arizona Auto Insurance Quotes

No matter whether you need an SR-22 form or not – the best way to find cheap Arizona car insurance rates is to compare quotes from multiple companies.

Get started comparing car insurance quotes today!

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As you travel from state to state within the US, the laws pertaining to auto insurance may vary. But when it comes to Arizona auto insurance law the rules are pretty straightforward.

The most frequently asked-about Arizona laws are:

Financial Responsibility

As in all other states, in order to be legally insured to drive in Arizona you must carry the minimum in auto liability insurance. This assures that you are financially responsible in the event of an accident and is often referred to as “financial responsibility”. The minimum in Arizona is 30/15/10 which means $30,000 minimum coverage for all persons injured, $15,000 max for one individual injured, a minimum of $10,000 coverage for property damage.

Although these are the minimums, many insurance experts agree that you should carry more due to the fact that the amount of money needed to cover damages in a claim are very often more than the minimum amounts the state requires. In this case, Arizona auto insurance law falls short of the minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs recommended. Way short.

Arizona insurance law also requires that you keep proof of insurance in your vehicle at all times. That way in the event of an accident you will able to present proof that you’re financially responsible. The card issued by your insurance company is all you’ll need to keep in the car. If you’re caught without auto liability insurance you’re subject to a $250 fine.

Fault vs No Fault

Arizona law states that in the event of an accident, if you are found not at fault you’re entitled to sue the at-fault party for pain, suffering, and other costs arising out of the accident.

DUI and SR22 laws

If you’re caught driving drunk with a blood alcohol over 0.08 you will have your license suspended or revoked. In order to get it back, you must have your insurance company file an SR22 form with your local DMV. SR22 insurance is more costly because you are now considered a high risk driver. Not all insurers deal with them, so make sure your insurance company will do this for you (if they don’t, they will cancel your policy). You may also need to take a driver’s education course.

Arizona insurance law prohibits DUI plea bargaining, a process that can reduce or drop charges related to a DUI.

Seat Belt Laws

A police officer in Arizona can fine you $10 for not wearing a seat belt, but he or she can’t pull you over for that alone. There must be another infraction, and the seatbelt infraction is secondary.

Age Restrictions

For young drivers age 15 to 18, full driving privileges are granted over time in a process called graduated licensing. A learner’s permit is carried for the first 6 months. Unlike many other states, Arizona insurance law places no restriction on night driving for teens.

Older drivers have an age limit of 70 on automatic renewals.

If you think you may be paying too much for you auto insurance there are many sites where you can compare Arizona auto insurance rates. Many companies can save you as much as $1000 a year in premiums due to the competitive rates they can offer online. And when looking for additional bodily injury and property damage liability insurance from competing companies, it may not be as costly as you think.

Emma Frost writes about auto insurance and many other car related topics. To learn more about auto insurance in Arizona and how to save on rates, visit Arizona Auto Insurance Rates.

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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!