Arizona Insurance For Everyone

      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.      


  • 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.

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
  Car Quote


Motorcycle Insurance

    The feeling of riding out on the long desert highway is like nothing else in the world. Many bikers choose to live in Arizona because the riding weather is great and the scenery spectacular. But, you will need the correct amount of cheap motorcycle insurance Arizona requires. It isn't hard to attain and the limits are very similar to a car. We all know that riding on the back of a motorcycle already puts you at a certain amount of risk. Some people ride to commute to work and save on gas. Others ride for fun. Whatever your pleasure, you need the best motorcycle insurance available. Whether you are just learning how to drive a motorcycle or have been cruising the highway for years, you need insurance.    

The minimum coverage need in the state of Arizona is:

  • $15,000 bodily injury coverage per person
  • $30,000 bodily injury coverage per accident
  • $10,000 property damage coverage per accident
  There is always more insurance coverage. You are riding a motorcycle so automatically you have a higher risk of injury than if you were in a car.  
  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.
  • You may also be able to get your gear covered. Helmets and riding jackets can be expensive! Ask about this coverage today.
  Call one of our helpful brokers and see where you stand. You may qualify for discounts as well. Get your free quote online in a matter of minutes and ride safer tomorrow.   Cycle Quote    

Homeowners Insurance

    Arizona has some of the lowest homeowners insurance rates in the country. Because this state has such a low occurrence of natural disasters, you are not required to attain these types of policies. Most people consider living in Arizona quite safe when it comes to owning a home. Your home is your largest personal investment and it needs protection. But finding the correct balance of coverage and cost is a difficult process. When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing. Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages. The National average for homeowners insurance is around $1,000 a year. But for most Arizona residents the average is only $600 a year. This is an average of the state, so not everyone will pay this little. But, it is good to know that you can purchase a home in this amazing state and save.    

Most homeowner insurance policies cover the following:

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  Get your free quote today and start saving tomorrow!   Home Quote      

Life Insurance

  Your life and the life of those around you is precious. Security for those you love can come in all shapes and sizes. Life insurance is a policy which covers your family and friends when you are gone. Death can be a hard topic to talk about. When you purchase life insurance, the topic can become less strained because you know that no one will have to worry about your finances after death.
  • Life insurance is about planning ahead. It can provide financial security to those you care about, cover medical bills, funeral costs, mortgage, on other living expenses.If you are the primary provider for others, it can also replace your income for them, or give them money for college or other expenses. It can even be used to earn a cash value that you can withdraw or borrow against later.

What Types Of Life Insurance Policies Are There?

  • Term life insurance and whole life insurance are two different policies with different obligations. Many people choose term life insurance becuase they will only be paying a certain amount every month for a set period of time. For example, you might pay $50 a month for a $250,000 policy for the next twenty years. But when that 20 year is up, you will have to choose a different policy and the amount you pay could change.
  • Permanent life insurance is a life insurance product that can provide life insurance protection for your entire life. Depending on the type of product or company, it can range from  coverage to age 90, 100, 121 or lifetime. This usually costs more.
  Many people choose to use their life insurance as an investment. In some cases, you can "tap into" your insurance policy and draw out money. This type of policy has strict guidelines and may cost you more, but your money can be utilized.   Call and talk to one of our helpful representatives today to find out more. Give the gift of financial freedom to those you leave behind.   Life Quote    


Health Insurance

    You and your family need to have the best cheap health insurance Arizona can offer. The United States has some of the best doctors in the world. And while the healthcare system is always a work in progress, you have the luxury of attaining insurance at an affordable rate. When you call Cheap Insurance and ask about what health insurance options we have, you will get detailed information on healthcare and how we can help you find it. We will be able to link you up with doctors, give you numerous options to choose from and try to stay within your budget. The best way to know which health care plan to get, is to know what health insurance is and how it works.  
  • Health insurance is an insurance that pays for all or some of a persons healthcare bills. These plans range from group health plans, individual health plans, worker's compensation, and government health plans.
  • Healthcare costs include: doctors visits, hospital stays, surgery, procedures, home care and other treatments.
  • Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you

Do Your Homework

  Arizona has a large population of citizens who are over 60 years of age. Retirement is prevalent in this state and because of that, cheap health insurance is even more necessary.
  • Research what type of insurance you might need.
  • Ask about dental insurance as well. Your teeth are a huge part of your overall health.
  • Ask us ways to cut your costs. Most of the time, raising your deductible will lower your monthly premium.
  • Know yourself and your family. Are you sick often? Does someone in your family have a terminal illness? Do you often need prescriptions?
  Call us today and find out how your life could be changed with a better health care plan. With health insurance, you will feel better just by knowing you have it.   Health Quote    

Renters Insurance

  Even if you have no desire to own a home, the house you live in is important to you. Not only does it provide you with shelter and security, your home stores your fondest memories and belongings. Don't you want that to be secured? Cheap renters insurance is easy to find in Arizona. For as little as $15 a month, you could have liability coverage for your home even if you don't own it. Many times, landlords have their own insurance, but this will not cover you or your belongings. If you go through your house and add up how much your television, jewelry and furniture costs, it could be a lot. Don't miss out on having insurance that could cover these items.


How Can I Save On Renters Insurance?

  • You could qualify for renters insurance discounts if you take the proper safety precautions. Put in fire alarms, a front door alarm, and even an automatic spotlight in the front. Anything to deter burglaries can help you save.
  • Renters insurance is very easy to attain. You can get an online quote in minutes.
  • You can always buy additional coverage if you think that all of your items will not be protected.
  • Liability coverage usually covers if your dog bites someone as well.
  • Sometimes renters insurance even covers your things if they are stolen outside of your apartment or home.
  Do yourself a favor and attain the cheap renters insurance Arizona residents need. Call us today or go online for your free quote. It's easy and affordable and you can't live without it!

Renters Quote            

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