How to find the best car insurance in Arizona
Each provider offers different auto insurance rates depending on various factors, including your driving history, geographic location, age, occupation and the type of vehicle you drive. If you want to get the best car insurance, you may want to consider taking the following steps.
Consider minimum insurance requirements in Arizona
Most states require you to purchase a minimum amount of insurance coverage before you can register your vehicle, and Arizona car insurance laws are no different. You must carry at least the state’s required minimum coverage levels to drive legally. According to the Arizona Department of Insurance, you must carry at least the minimum required amounts of bodily injury liability per person, bodily injury liability per accident and property damage liability.
Although buying only minimum liability may keep your premiums low, you could face financial stress if you cause an accident. If the damages in that accident exceed your insurance limits, you will be responsible for the excess out of pocket. Most insurance experts recommend that you purchase higher liability limits if you are able to.
Consider lender requirements
Minimum coverage does not provide any physical damage coverage for your vehicle. If you want personal insurance coverage for damages to your car, you will need full coverage, which includes optional comprehensive coverage and collision coverage. If you have a loan or lease on your vehicle, your financial institution likely requires you to have full coverage. You might also want to purchase gap insurance, which is designed to pay the difference between the cash value of your new vehicle and your loan or lease amount if the vehicle is totaled or stolen.
Consider your individual needs
To find the best car insurance for your needs, you may want to identify which coverage options, add-ons and discounts are most appealing to you. Each auto insurer offers different coverage types and discounts, so knowing what factors matter most to you might help you find a company that fits your needs. If you are considered a high-risk driver, for example, you may need to look for companies that offer high-risk auto insurance. Or if you have a teen driver on your policy, you might want to seek out a company that offers competitive discounts with car insurance for teen drivers.