Shopping for Arizona Auto Insurance?
The right Arizona Auto Insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your auto insurance policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.
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Arizona Auto Insurance – State Minimum Requirements
In Arizona you must maintain the following state minimum auto coverages:
Liability coverage – pays for losses or injuries you cause others
- Minimum $15,000 bodily injury per person and $30,000 bodily injury per accident
- Property Damage – $10,000 minimum property damage
While this is the state minimum requirement, we suggest our clients protect themselves by maintaining higher insurance limits.
Collision Insurance – Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance – Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Every situation is unique – Call Greene Insurance Group and let our agents help you get the best coverage and value on Arizona Auto Insurance.