Everything You Need to Know About AZ Auto Insurance

Auto insurance is an essential purchase for anyone who drives a car. It protects you financially in case of an accident, theft or any other loss. In Arizona, it is mandatory to carry auto insurance, and choosing the right coverage for your needs is important. In this article, we will discuss everything you need to know about AZ auto insurance.

Arizona Car Insurance Coverage Requirements

Before we look at the different types of auto insurance coverage, let’s first understand the minimum requirements for insurance coverage in Arizona:

Minimum Coverage	Arizona Requirements
Bodily Injury Liability	$15,000 per person/$30,000 per accident
Property Damage Liability	$10,000 per accident
Uninsured Motorist Bodily Injury	$15,000 per person/$30,000 per accident
Underinsured Motorist Bodily Injury	$15,000 per person/$30,000 per accident

You can choose to purchase additional coverage to protect yourself financially in case of an accident or other loss.

Types of Auto Insurance Coverage

Let’s take a look at the different types of auto insurance coverage available in Arizona:

Bodily Injury Liability

This coverage pays for injuries you cause to other people in an accident. It will also cover legal fees if you are sued.

Property Damage Liability

This coverage pays for damage you cause to other people’s property in an accident. This can include damage to their car, fence or other property.

Collision

This coverage pays for damage to your own car in an accident, regardless of who is at fault. It can also cover damage to your car from hitting an object or pothole.

Comprehensive

This coverage pays for damage to your car from non-collision events, such as theft, vandalism, fire or natural disasters.

Uninsured/Underinsured Motorist

This coverage pays for injuries you sustain in an accident caused by an uninsured or underinsured driver.

Factors That Affect Auto Insurance Rates in Arizona

The following factors can affect your auto insurance rates in Arizona:

Driving Record

If you have a history of accidents or traffic violations, you will likely pay higher insurance rates.

Age

Young drivers tend to pay higher insurance rates than older drivers.

Type of Car

The more expensive or powerful your car, the higher your insurance rates will be.

Location

If you live in a high-crime or high-traffic area, you may pay higher insurance rates.

Credit Score

Insurance companies may use your credit score to determine your insurance rates.

Frequently Asked Questions About AZ Auto Insurance

1. Is auto insurance required in Arizona?

Yes, it is mandatory to carry auto insurance in Arizona.

2. What is the minimum auto insurance coverage required in Arizona?

The minimum coverage required in Arizona is liability insurance of at least $15,000 per person and $30,000 per accident for bodily injury and $10,000 for property damage.

3. Should I purchase additional coverage?

It is recommended to purchase additional coverage to protect yourself financially in case of an accident or other loss.

4. What affects my auto insurance rates in Arizona?

Your driving record, age, type of car, location and credit score can affect your auto insurance rates in Arizona.

5. How can I find the best auto insurance rates in Arizona?

Shop around and compare rates from different insurance companies. Look for discounts and bundle policies to save money.

In conclusion, choosing the right auto insurance coverage is important to protect yourself financially in case of an accident or other loss. Understand the minimum coverage requirements in Arizona and consider purchasing additional coverage to suit your needs. Keep in mind the factors that can affect your insurance rates and shop around for the best rates.