Cheap Arizona Car Insurance Online
Get a Quote and Save up to 40%!*
Get a Quote and Save up to 40%!*
Arizona is unique for its diverse culture that has a strong Hispanic influence and the climate that is super hot in the summer. This desert oasis is home to one of the largest retirement communities in America, with numerous serene golf courses and endless activities. If you own and operate a vehicle in the state, you are required to have the minimum standard auto insurance coverage. Accidents, after all, can happen at any moment, and you need to be financially covered in case you are involved in a collision. Let’s look at some of the basic coverages in AZ and check out simple advice on how to get a cheaper policy. Get your no-obligation quote from good to go insurance online and save $500 or more. It has never been so easy to compare numerous insurance plans thanks to the internet and price comparison tools.
Types of Car Insurance Coverage
There are only two basic types of auto insurance in Arizona. These are:
1. Liability Automobile Coverage for Bodily Injury
2. Liability Insurance for Damage to Property
If you drive in the state of Arizona, you need to be aware of the minimum amount of car insurance you need to get covered with.
* $15,000 in Liability Insurance that covers one person for Bodily Injuries and or Death
* $30,000 in Liability Insurance that provides coverage for two persons for Bodily Injuries and or Death
* $10,000 minimum for property damage
Be aware that these are only the minimal amounts of insurance you need to meet the state’s legal requirements. Be advised to assess your specific situation and determine that amount of protection you need to protect yourself. With medical care costs going up each year, not to mention auto repairs, it is wise to get more than basic AZ minimum ins. If you have assets for example that are worth over $100,000, you should get higher liability limits, perhaps $50,000 of more. Get your free online rate quote from good to go auto insurance and get a cheaper policy today.
Fines in Arizona for not having legal Vehicle Insurance
If you drive an automobile in Arizona, you must meet the liability insurance minimums. It is simply the law, and it is strictly enforced. Those that violate this law can have their driver’s license revoked, car towed away and be imposed expensive fines. Fees for driving uninsured start at $500 in AZ and go up for repeated violators. Those that get caught without being covered are required to obtain an SR-22 certificate which demonstrates financial responsibility for a period no less than three years. If your car has been towed away and impounded, you will also have to pay huge fees in addition to the cost of getting your license re-instated.
Even though in the short run you might save money skipping out on car insurance, in the long run, it will almost always cost more. In a worst case situation, yo could end up in an at-fault accident and have your wages garnished for years because you did not have cheap Arizona car insurance coverage. If your financial situation is such that you just don’t have $50 or $60 in your monthly budget for basic liability, then don’t drive. Rideshare with a friend, take the bus, ride a bike or walk. Never get behind the wheel of a car that is uninsured.
Unfortunately, almost everyone that drives regularly will at some point get into an accident. Here are just a few tips that you should keep in mind after the event.
1. Safety First
If you have just been in an accident, think safety and get out of harms way if your car is in the middle of a road or highway. The traffic behind you could very well not even see you and crash into the accident scene. This, of course, could cause even more havoc and injuries.
2. Inform the Police
Call 911 if the accident is serious and gets medical attention. The dispatcher will call the police.
3. Take detailed notes and Gather Key Information
Write down the area of the accident, all vehicle information, the other drivers info including license/insurance and any witnesses.
4. File a Claim
Call your insurer and report the accident, then file a claim.
It is important to call your insurance company right away and give the details of your accident so your claim can be processed faster. Many forms can now be filled out online, and you can also track the status of your claim on most insurers websites. If you have been severely hurt in an accident, you might also want to get the advice on an accident attorney.
Low-Cost Arizona Car Insurance Online
If you have a vehicle that is uninsured, and you want to get the cheapest insurance possible, then you should start you search online. The internet has reduced prices for almost everything and auto ins is no different. There are direct car insurance plans that are almost always cheaper on the web that calling a broker. You also have the advantage of comparing multiple offers and selecting the price and company that works best for you.
With sites like good2go, it is possible to compare up to 10 rate quotes in about ten minutes. There is also no commitment at all to purchase a policy, so there is no downside. The number one tip on getting cheap Arizona auto insurance coverage is to shop online. The other smart tip is to get all of the discounts you qualify for like good driver, good student and military. This can save you an additional 10% or more off your premiums. Get started today with good to go insurance company and get low-cost car insurance in Arizona today.