What You Need to Know When Choosing an Arizona Auto Insurance Policy
Everyone that operates a means in an Arizona is required by state law to have an Arizona auto insurance policy in place. The state of Arizona sets certain minimum requirements that each AZ car insurance policy must meet.
Arizona state minimum auto insurance requirements are as follows:
- $15,000 Bodily Injury Liability per person
- $30,000 Bodily Injury Liability per accident
- $10,000 character Damage Liability
Bodily Injury Liability covers other people’s injuries in an accident that you cause. character Damage Liability covers damages to someone else’s car in an accident that you cause.
Keep in mind that these are just the absolute minimum requirements that your policy must meet. Depending on your situation, you may find that you need more insurance than this to meet your needs.
Some other types of coverage include the following:
Comprehensive coverage: Comprehensive Coverage will cover damages to your means that are not related to a car accident such as fire, theft, or vandalism. This is not required by any state. However, it may be required by your lender if your car is being financed.
Collision Coverage: Collision Coverage will cover damages to your car if you are in an accident where you are considered to be the at fault driver. This also may be required by your lender if your car is being financed.
Personal Injury Protection: Personal Injury Protection covers any medical, hospital or funeral expenses of you, your passengers or pedestrians depending on the amount of coverage.
Uninsured/ Underinsured Motorist Coverage: This coverage protects you in the event of an accident where you are not at fault, but the at fault driver does not have insurance.
Also, when shopping for an Arizona auto insurance policy you will want to look around at different insurance companies to see which company can offer you the best rate on the policy that you need.
Some of the top Arizona car insurance companies include:
GEICO: (West vicinity Location)
14111 Danielson Street
Poway, CA 92064
3003 North Central Ave.
Phoenix, AZ 85012
2510 West DunlapSuite 350
Phoenix, AZ 85021
1529 W. Thomas Rd.
Phoenix, AZ 85015
See what these companies can offer you in terms of customer service, discounts offered, and low rates.