Saturday, 7 July 2012

Cheap Auto Insurance in AZ Arizona

Finding cheap AZ auto insurance is something that every driver in Arizona would be interested in. However, this may not be an easy task. In 2005, Arizona was ranked #13 for the states with the most expensive car insurance policies. Most likely every AZ resident would prefer to pay less for their current insurance policy. Here are some tips to lowering your Arizona car insurance rates.

Eliminate Unnecessary Coverage

Every AZ driver is required by state law to have certain minimum requirements:
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability
Many insurance policies include more coverage than the state minimum requirements. One way to lower your premiums is by eliminating unnecessary coverage form your policy. Things such as comprehensive coverage, collision coverage, uninsured motorists coverage and personal injury protection may be included on your policy and may be driving up your rates. Check and see what is included on your policy and see if there is anything extra that you could eliminate. Just make sure you would have the money to cover your expenses in the case of an accident.

Raise Your Deductible

By raising your insurance deductible, you could lower your premiums and save yourself some money. The average annual premium for AZ residents in 2005 was $1063. This may be more or less than you are paying for your AZ car insurance policy, but in either case you could still pay less for by raising your deductible. Just make sure that you would have the money to pay the deductible in case you are in an accident.

Do Your Research

Every state has different laws regarding insurance. Make sure you know your state's laws. Some of Arizona's insurance laws include:
  • Rate Increase Law: If you are in an accident and you are not at fault, AZ state law prohibits the insurance company for raising your rates as a result of that accident.
  • Cancellation of Auto Insurance Policy: Arizona state law prohibits the cancellation of your auto insurance policy by the insurance company after the policy has been in effect for sixty days except under certain circumstances.
Compare Multiple Auto Insurance Quotes

When looking for cheap AZ auto insurance, it is always important to shop around and compare multiple quotes. If you already have a policy in place, it is a good idea to compare quotes every six months or so to make sure you are getting the cheapest policy available to you. You can visit and compare free AZ auto insurance quotes now.

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