Arizona Auto Insurance
Arizona Auto Insurance
In Arizona you must remember the following:
- The state of Arizona may not include other drivers in your family if their names are not on the application list. It is referred as Intra-Family Exclusion.
- If you got involved in an accident that is not your fault at all, you will not be charged a higher rate.
- You may consider higher deductibles because it may lower your insurance rate.
If you want to lower the rate of your car insurance you may ask for the following discounts:
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- Good driver discount
- Multiple vehicle discount
- Good student discount
- Nonsmokers discount
- Air bags or automatic seat belts discount.
Coverage
The minimum legal requirements for Arizona car insurance is: 15/30/10. The numbers represent the amount of coverage. “15” and “30” are the minimum and maximum limits, respectively, for Bodily Injury Liability. The “10” should cover property damages and damages to the other person’s car.
Mandatory Minimum Liability Coverage
- Bodily Injury or Death Coverage Per Person – $15,000
- Bodily Injury or Death Coverage, Per Accident – $30,000
- Property Damage Per Occurrence – $10,000
Factors used for Arizona Auto Insurance Rates
The following are the contributing factors that may affect the increase or decrease of your insurance rates:
- Credit Score- This may affect the rate of your premium, the lower your credit score, the higher the premium and risk of losing it.
- Driver Info – Insurance company will look at a drivers age, sex, marital status, driving history and some related information like violations, accidents, speeding ticket and even where you garage your cars.
- Vehicle Info – The more expensive your car the higher the risk and the higher the cost also.
- Coverage Requested – If you will ask of lower coverage then probably you may spend lower insurance rate also and the higher the coverage, the higher the cost.
