car insurance arizona

If you're looking for cheap car insurance companies in Arizona there's really only one place to look, and that's online. Online insurance sellers charge far less than their brick and mortar competitors for a variety of reasons. However, before you randomly choose a website on which to make your price comparisons, you should be aware that there are things you can do that will save you even MORE money.

Paying your monthly premium automatically from your checking or savings account saves the insurance company the high cost of sending you a bill every month and they pass the savings along to you.

Not making a bunch of small claims all the time will also save you money.

If you are married you can save money by putting the wife on the policy as the primary driver and the husband as the secondary driver.

If you drive back and forth to work every day a large part of your premium is based on the number of rush-hour miles you drive every month. If you join a carpool at work and you cut those rush-hour miles in half then your insurance rates will be far less.

Similarly, if you can use public transportation as much as possible and you can cut the number of miles you drive every month to below 500, you just may be able to take advantage of a special Low Mileage Discount and save even more on your insurance.

Increasing your deductible to the highest level that you can actually afford to pay if you ever have a claim can also reduce your insurance costs - often dramatically.

And, as mentioned before, buying your car insurance online is the only way to go if you are really serious about finding the cheapest rate possible. Just be sure that you don't rely on the results from just a single website. The reason is that in order to find the cheapest auto insurance in Arizona, where you see prices from every insurance company doing business in the state of sin. You can't do that if you only make your price comparisons on just one website.

The good news is that once you've spent the time to make your comparisons on at least 3 different sites your job is done. All you have to do is to review all of the prices you found and then choose the very best one.

My Recommended Sites:
My Top recommendation For Cheap Car Insurance Companies in Arizona
Affordable Auto/Car Insurance Policy

car insurance arizona

You can get an Arizona car insurance quote that will make you drop your jaw in utter disbelief especially if you never took the time to do the right things first before you bought your present policy. Here are a few simple things that will result in a dramatically lowered quote.

1. This first one is particularly true if you have an old car (not a classic). Drop comprehensive and collision policies if your car is old. They are merely a big waste of money. The simple reason is that if you make a claim on an old car you'll be paid the Kelley Blue Book value at the time and not the replacement cost. Now if you add the deductible you'll be asked to pay first, you'll see that it makes absolutely no sense to get those two (This assumes that your car isn't too old to be worth zero by Kelley Blue Book).

2. Adjust your deductible to as high an amount as you can produce with relative ease. Increasing the higher your deductible, the amount to get a quote for your Arizona auto insurance is low.

3. Don't forget to ask your agent for a loyalty discount once you've stayed with a particular insurer for up to three years. If they refuse to give you a discount, tell them you'll look elsewhere. Try that and see if they won't change their tone. Believe me when I say that competition in the auto insurance industry is quite stiff. So you'll do well to use it to your advantage.

4. Did you get quotes from up to five or more reputable quotes sites when you bought your present policy? If you didn't then you're in for a big surprise...

Get and compare quotes from five or more reputable quotes sites. Even if you did this when you bought your policy, try doing this again but visit different quotes site.

You'll almost always see an offer that will be less than what you're paying currently. What do you lose. These quotes are free and take less than five minutes per site.

Here are my favorite pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

car insurance arizona

If you are looking for the cheapest possible car insurance in Arizona there are only two things you have to know.

First you need to know about Arizona's low-cost basic liability policy. This policy is the cheapest insurance you can possibly buy in Arizona and still drive 100% legally.

Each state sets its own minimum limits when it comes to its approved basic liability policy. In Arizona the lowest pay-out limits you can buy are 15/30/10. What this means is that if you are at fault in an accident your liability insurance will pay a maximum of $15,000 in medical claims to any one individual who is injured and your insurance will pay a maximum of $30,000 if two or more people are injured, regardless of the total number of people injured or the extent of their injuries. Your liability insurance will also pay a maximum of $10,000 for any property damage you cause. This includes the cost of repairing the other person's car.

One of the things you need to be aware of if you are going to purchase a minimum liability policy is that the maximum amounts that the insurance pays may not be enough to cover all of the medical or property damage bills in even a moderate-sized accident. If your basic liability policy doesn't cover the full costs of the accident YOU could be forced to pay the difference. This means it's possible for you to have insurance yet still lose your savings account or even be forced into selling your home.

The other thing you need to be aware of is that a basic liability policy doesn't cover YOU at all. In other words it won't pay a penny for the repair of your vehicle and it won't pay a penny for your medical bills or for the medical bills of any passengers in your vehicle.

The second thing you have to know if you're serious about finding the cheapest car insurance in Arizona is that the best place to find your insurance - whether it's a basic liability policy, a full-coverage policy or something in between - is online.

Online insurance sellers have very little and virtually no overhead costs, so they are able to offer their insurance at much lower costs than their brick and mortar cousins.

One trick to finding the very best price online is to make price comparisons on several different websites that are designed to compare the prices from different insurance companies. Don't rely on just one site since each site only compares a small handful of insurance companies.

Once you've looked at prices on at least 3 different price comparison websites then simply choose the lowest price you've found and you're done!

My Recommended Sites:
My #1 Recommendation For Cheap Car Insurance in Arizona
Affordable Auto/Car Insurance in Arizona

car insurance arizona

Is the cost of your car insurance driving you to the poor house? If so, you are hardly alone. Thousands of Arizona drivers report that they are looking for cheap high risk car insurance every single day. The good news is, Arizona has a special high risk policy that's so affordable almost anyone can now afford to drive 100% legally and still have enough money left each month to pay the rent and put food on the table.

The truth is, every state makes a cheap form of auto insurance available to its residents. These cheap policies are called basic liability policies. Each state sets its own minimum requirements for the cheapest basic liability policy that is legal for its residents to buy. Here in Arizona the cheapest car insurance that you can possibly buy is known as a 15/30/10 liability policy.

This policy pays out a maximum of $15,000 for the medical bills of any one individual who is injured in an accident with your vehicle, and it pays out a maximum of $30,000 for the medical bills of everyone involved in the same accident, regardless of how many people are injured or what their injuries are. Finally this policy pays a maximum of $10,000 in property damage for any accident. Property damage typically refers to repairing the other person's vehicle, but it can include other types of property as well.

A basic liability policy is cheap and it allows you to drive legally. It can also be somewhat risky. The risk arises from several different things, actually. The primary risk is that the maximum payouts are low. In actual fact it is quite easy these days for medical expenses to considerably exceed $15,000 for a single individual and $30,000 for a carload of people. And let's face it, $10,000 won't necessarily repair very much on many modern cars.

So what happens if the actual medical expenses or property damage exceeds the maximums that your basic liability policy will pay? You could be held personally responsible for the balance due. That means that you could be forced to spend your entire life savings or you could even be forced to sell your home to pay for medical bills or property damage.

Also, a basic liability policy ONLY pays for medical bills and property damage for the other party involved in an accident. The policy pays zero for repair of your vehicle and do not pay even a penny towards your medical bills or medical bills of any passenger in your vehicle at the time of the accident.

Still, a basic liability policy is legal and it is cheap. And if you want to get it for an even cheaper rate then make sure you buy your policy online. Buying your car insurance policy online is the real trick to getting it at the cheapest price possible since online sellers always offer insurance at deeply discounted prices.

And if you want to get your online insurance at the cheapest possible price be sure to make your price comparisons on more than one website designed to let you compare prices between different companies head-to-head. Once you've compared prices on at least 3 different sites all that's left is for you to choose the lowest price you've found - and you're done!

My Recommended Sites:

My Highest Recommendation For Cheap High Risk Car Insurance Online in Arizona

Affordable Auto/Car Insurance Policy in Arizona

car insurance arizona

Car insurance can get expensive, but the fact of the matter is that driving without car insurance is just too much of a risk. If you are caught your car can be immediately impounded, your registration can be suspended and the hassles and fines you will have to pay before you can reinstate it are way too much of a headache to make the risk worthwhile. And fortunately that is a risk you don't have to take since the state of Arizona offers you a policy that's so low-cost virtually everyone can afford it.

Arizona's cheap car insurance is known as a basic liability policy. Each state sets its own minimum limits on its basic liability policy and here in Arizona the minimum insurance you can legally buy is what is called a 15/30/10 policy.

A 15/30/10 liability policy has a maximum payout of $15,000 to cover the medical expenses of any one individual who is injured by your vehicle and a maximum payout of $30,000 to cover the medical expenses everyone involved in the same accident. It also pays a maximum of $10,000 to cover all property damage caused by the accident. Property damage is generally the repair of the other person's car, although property damage can include many other kinds of property as well.

Keep in mind that a basic liability policy pays nothing at all toward the repair of your car - you're on your own, there - and it pays absolutely nothing toward your medical bills or toward the medical bills of any passengers in your vehicle at the time of an accident. Again, you are on your own.

A simply liability policy can be a risk due to the fact that the low payouts might not be enough to pay for all of the medical bills or property damage from an accident. If it doesn't pay for everything YOU could be forced to pay whatever is left. That could mean that you would be forced to spend your entire life savings or you could even be forced to sell your home to pay the bills that your liability insurance won't pay.

No matter what car insurance you finally decide upon, if you want to save the most money possible then you must buy your policy online. Online car insurance is ALWAYS offered at a remarkable discount. And if you take the time to compare prices on several different price comparison websites then you can save even MORE.

There are several ways for you to save money on it, but if you are looking for the cheapest insurance companies in Arizona then there's only one place for you to look - and that's online! Happy hunting!

My Recommended Sites:

My #1 Recommended Site For Cheap Car Insurance Companies Online in Arizona
Affordable Auto/Car Insurance Policy in Arizona

car insurance arizona

When shopping for an Arizona car insurance quote online, keep in mind the state requirements for auto insurance. Here are some things you should know.

The state of Arizona requires that before you can register a vehicle, you show some proof of financial responsibility in case of liability. Usually this means getting a car insurance policy, but may be a bond or certificate of deposit or cash for at least $ 40,000.

Arizona, like most states, also has minimum required coverages for Bodily Injury and Property Damage on your auto insurance policy. They are:

Bodily Injury. This is to pay for injury to other people besides you who are hurt in an accident that you are legally responsible for: Minimum of $15,000 per person and $30,000 per accident. You would need Medical coverage to pay for injuries to yourself.

Property Damage. This is to pay for damage to vehicles or other property that were damaged by you in a collision. Minimum of $10,000 per accident. This does not cover damage to your vehicle. You would need Collision coverage for that.

Keep in mind that these are the minimums required by state law. You still could be financially liable for any costs above those minimum amounts, so you may want to consider raising the limits on Bodily Injury and Property Damage.

When you shop for Arizona auto insurance quotes, it's good to have this information ready. Since auto insurance costs vary from company to company, you should always get at least three different quotes. By using the same information for each quote, you can get a more accurate comparison.

Scott Lunt is a freelance writer with over 15 years experience writing about car insurance. You can compare online auto insurance quotes for Arizona and all other states, plus find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com. The site also includes a handy worksheet to help you when shopping for car insurance.

car insurance arizona

Finding cheap Arizona high risk car insurance rates can seem like an insurmountable mountain of a task at first but it is certainly possible to find a cheap Arizona auto insurance policy even if you are categorized as a high risk driver. They key to finding a cheap Arizona high risk car insurance policy that will meet your needs while not putting an undue strain on your pocketbook is to do your homework. Let's get started learning some of the various ways that AZ high risk drivers can find a cheap auto insurance rate!

In the Arizona the number of vehicles on the roads keeps increasing, and with it the number of accidents and traffic citations keep going up. Americans have come increasingly aware that the higher number of autos on the road means higher auto insurance premiums and a higher likelihood of accidents. With the accident rates going up and perhaps the number of yearly accidents increasing, the probability of what is called a "high risk" driver applying for automobile insurance is not that slim. It is true that drivers that have had a history of traffic citations and automobile accidents have a harder time finding cheap automobile insurance; however it is important to understand that with a little bit of effort and understanding of the auto insurance industry; finding a low cost automobile insurance policy is possible.

The reason that Arizona car insurance companies charge these individuals more per premium than other drivers is because the "risk" of insuring them is greater. Auto insurance quotes are based on the risk given to auto insurance companies by their customers. This means that if you have a clean record with no accidents or tickets for quote a while; you will be given a lower rate simply because you offer less risk. On the other hand, a person that constantly makes mistakes while driving that result in citations or that simply does not know how to drive defensively will represent a higher probability of wrecks for the company; which in turn may drive the yearly rate sky high! If you are worried that you may be termed a high risk driver then don't panic because there are steps that you can take to find a cheap policy.

Just like any other customer that is buying Arizona automobile insurance, it is extremely important for a "high risk" driver to shop around. If they are going to shop for insurance through the Internet, perhaps the best thing would be to visit a comparison website. Comparison websites allow you to fill out your information only once and they will give you insurance quotes for a variety of companies.

You will also have the option of visiting your independent local agencies in person if you so choose. This will allow you in interacting with the agents better and asking them questions about how high your rate will be if you have made a few "mistakes" in the past. They will guide you through the process and let your know how much would the quote be. Also, make sure to ask what could be some things that will lower your rate even after reading the tips that follow. Do this just to make sure that you have done everything in your power to get a cheap policy.

Your insurance is lower and I'm sure of, even if the cost of the policy, with a history of tickets or accidents. Should be two things need to drop your insurance deductible will not be to increase. The first thing you need to do before trying to raise your deductible will be to see if you can afford it in case of an accident. If you can afford it then raise it as much as you like (consider that one of the best deductibles is $500 because it balances out pretty good). A higher deductible will mean more out of pocket dollars that will come out of your wallet after an accident, but it will also mean that the insurance company won't have to pay as much and therefore they would lower your monthly premiums.

The other thing you can do in order to get cheaper insurance would be to drop some of the coverage that you don't need. Usually if your car is considerably old you should drop your collision and comprehensive coverage (only if you can afford to that is), because that can save you a HUGE amount of money. Another thing worth mentioning that many people are doing is dropping the medical part of their AZ automobile insurance policy. If you have independent health insurance there is no need to have it through your auto insurance company, so just drop it and save some money in the process.

It is also important for you to ask for discounts. Although you will not be selected for any discounts involving a good driving record, there are many others that can do you good. One of them for example is the safety feature discount that allows drivers with alarms, automatic seatbelts, anti-lock brakes, air bags and other stuff to same significant amounts of money. You could even go as far as to take a defensive driving course given to you by the AZ Department of Motor Vehicles or any other traffic school. It is worth mentioning that nowadays more insurance companies are starting to give defensive driving courses to people that want to save money on car insurance.

Last but not least, try to apply for a low mileage discount. The less time on the road means a decrease in the probability of an accident so insurance companies will definitely give you a good discount for this one. Discounts can definitely help you save significant amounts of money when it comes to automobile insurance, especially if you are a "high risk" driver.

As you can see "high risk" drivers can save money too when it comes down to getting a cheap Arizona high risk auto insurance quote. It is important to shop around and do everything possible in order to start off with the right foot and the best price in the market. Make sure you think about your coverage and keep in mind the things that will allow you to save money when time comes to getting a quote.

Always remember that discounts can be the decisive force between a normal insurance policy and a cheap one and never give up your hope in finding low cost Arizona high risk car insurance. Do not let your past mistakes bring you down if you have a history of traffic tickets and accidents. Some Arizona high risk car insurance companies specialize in providing Arizona auto insurance to high risk drivers so be sure and compare quotes from multiple companies to find the best rate. Get started finding cheap auto insurance rates today!

car insurance arizona