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!

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

Affordable Auto/Car Insurance Policy in Arizona

car insurance arizona