Arizona is a state of vast beauty and warmth. You can literally drive across the state and see everything from desert, to forests to large snowy-peaked mountains. Bordering Mexico, it has a large hispanic population and rich Native American history. The people who live here take pride on this. There is something truly spiritual about the Arizona landscape. Arizona was the 48th state to be added to the United States and the last of the contiguous states. With a population of just around 7 million residents, Arizona is a bustling area. But don’t be fooled, it has some of the largest National Parks in the U.S. The Grand Canyon reaches out to the North of Arizona and carries the great Colorado River in the interior. The climate of this arid state makes for beautiful winters, and wet summers. Although weather can change from region to region, most people come to Arizona because they like the warmth. One thing that every citizen needs in Arizona is cheap insurance. From buying your first car to owning your seventh rental property, everyone has a story. Insurance can make your life easier. Here is what Arizona has to offer.

Statistics

  • There are over 5.1 million registered automobiles in Arizona (as of 2012).
  • The average 12-month auto insurance policy was $1,222 as of December of 2013, which is good news for consumers.
  • Lower average cost is a result of the number of options for cheap insurance Arizona residents have at their disposal.
  • There are a number of ways Arizona has been able to keep rates low. They made Uninsured Motorist Coverage mandatory as well as fought vehicle-related crime.
  • The establishment of the Arizona Vehicle Theft Task Force has successfully recovered over 30,000 vehicles with a value of $323 million for its citizens. This helps keep rates low for Comprehensive coverage in particular.
  • The number of licensed drivers in the state is 4.7 million as of 2012.
  • There were over 104,000 automobile crashes in Arizona during 2011.
  • Despite the state's auto insurance requirements, around 12% of drivers are still uninsured. This is one of the largest contributing factors to insurance costs.

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Car Insurance

Car insurance in the state of Arizona is a legal requirement. For most of us, the minimum amount of insurance is all we will need.

If you have a loan out on your vehicle or lease a vehicle, the banks may require you to have more.

Here is what is expected of drivers in the Four Corners State:

  • Bodily Injury Coverage with a minimum of $15,000 per person and $30,000 per accident.
  • Property Damage Liability Coverage at a minimum of $10,000
  • Uninsured Motorist Bodily Injury Coverage of at least $15,000 per person and $30,000 per accident.
  • Underinsured Motorist Bodily Injury Coverage at a minimum of $15,000 per person and $30,000 per accident.
  • There is more insurance you can add if desired.
  • The above insurance only covers the other party involved in a crash.
  • The Uninsured Motorist coverage makes sure that you are not paying out of pocket if someone else is breaking the law.
  • When people drive without insurance, it is often hard to get them to pay for any damages they may have caused.

The best thing to do if you want to be fully insured is to attain the following car insurance:

  • Collision insurance which will cover your car and yourself in an accident
  • Comprehensive coverage will pay for theft of a vehicle as well as other minor damages not incurred in an accident.
  • Towing and Roadside Assistance are great features you can add to your insurance policy.
You may also qualify for discounts. Ask your local agent or call us at Cheap Insurance today to find out more.

Here are some examples of discounts you may want to ask for:

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.
  • Multi-policy discounts- You may want to consider getting homeowners insurance, motorcycle insurance, car insurance, SR22 insurance and much more from the same insurance company.
  • Association discounts

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