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Arizona Car Insurance

Arizona Car Insurance from dozens of Top-Rated Insurance Companies

Greene Insurance Group is an Independent Insurance Agent.  We represent dozens of top-rated insurance companies including:  AmShield-Shelter Insurance, Auto-Owners Insurance, Bristol West Insurance, Chubb Insurance, Cincinnati Insurance, Dairyland Insurance, Farmers-Foremost Insurance, Hagerty Insurance, Main Street America- American Family Insurance, Mercury Insurance, Progressive Insurance, Safeco-Liberty Mutual Insurance, Travelers Insurance, West Bend Insurance and more.

Arizona Car Insurance:  Everything You Need to Know

Car insurance is required by law in Arizona, and for good reason. It protects you and your finances in the event of an accident. But with so many different insurance companies and policies to choose from, it can be tough to know where to start.

This article will walk you through everything you need to know about Arizona Car Insurance, including:

  • What is the minimum required coverage in Arizona?
  • What are the different types of car insurance coverage available in Arizona?
  • How much does car insurance cost in Arizona?
  • What factors affect your Arizona Car Insurance rates?
  • How to find the best Arizona Car Insurance policy for you

What is the minimum required coverage in Arizona?

The minimum required car insurance coverage in Arizona is:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability

What are the different types of car insurance coverage available?

  • Bodily injury liability coverage:  Pays for the medical expenses of others if you are at fault for an accident.
  • Property damage liability coverage:  Pays for the repairs or replacement of another person’s property if you are at fault for an accident.

In addition to the state minimum required coverage, there are a number of other types of car insurance coverage available, such as:

  • Comprehensive coverage: Pays for damage to your car from events such as theft, vandalism, and hail
  • Collision coverage: Pays for damage to your car from collisions with other vehicles or objects
  • Uninsured/underinsured motorist coverage: Pays for your medical expenses and property damage if you are hit by a driver who does not have insurance or does not have enough insurance
  • Rental car reimbursement coverage: Pays for the cost of renting a car if your car is damaged or stolen

How much does Car Insurance cost in Arizona?

The average cost of Car Insurance in Arizona is $1,482 per year.  However, your individual rates will vary depending on a number of factors, such as your age, driving history, and the type of car you drive.

What factors affect your Arizona Car Insurance rates?

Some of the other factors that can affect your car insurance rates include:

  • Drivers Age: Younger drivers typically pay higher rates than older drivers.
  • Your driving history: Drivers with clean driving records typically pay lower rates than drivers with accidents or traffic violations.
  • The type of car you drive: More expensive cars typically have higher insurance rates.
  • Your location: Drivers who live in more urban areas typically pay higher rates than drivers who live in rural areas.

How to find the best Arizona Auto Insurance policy for you

The best way to find the best Arizona Auto Insurance policy for you is to compare quotes from multiple insurance companies. You can do this online or by talking to an insurance agent.

When comparing quotes, be sure to compare the same types of coverage and deductibles. You should also ask about any discounts you may be eligible for, such as good driver discounts or multi-policy discounts.

Once you have compared quotes, you can choose the policy that best meets your needs and budget.

Tips for saving money on car insurance

Here are a few tips for saving money on car insurance:

  • Shop around and compare quotes from multiple insurance companies.
  • Ask about any auto insurance discounts you may be eligible for, such as good driver discounts or multi-policy discounts.
  • Consider raising your deductible. This will lower your monthly premiums, but you will be responsible for paying more out of pocket if you have an accident.
  • Bundle your car insurance with other types of insurance, such as homeowners insurance or renters insurance.
  • Take advantage of any safe driving programs offered by your insurance company.

By following these tips, you can find the best car insurance policy for your needs and budget.

Call (480) 657-2800 or (888) 958-5622 to speak with an Agent

Car Insurance is Required in Arizona

The State of Arizona monitors car insurance compliance through:

  • An insurance carrier database with insurance reporting by the car VIN number. Make sure your car insurance company has the correct VIN # for proper reporting to the State of Arizona.
  • Verification of proof of insurance during traffic stops.

If you are found not to have a vehicle insured with at least the state minimum required car insurance limits, your vehicle registration and drivers license can and will be suspended by the State of Arizona.

Traffic Stops

You are required to carry an insurance identification card in your vehicle at all times. If you are involved in an accident or stopped for a moving violation, you will be asked to provide the police officer the auto insurance id card as proof of insurance. If you are unable to provide a police officer with proof of Arizona Car Insurance, you will be considered an un-insured driver and likely be issued a traffic citation. If you are convicted of driving without a valid insurance policy, you will face the following penalties:

  • Suspension of your auto vehicle registration
  • Fine

What determines Arizona Car Insurance Prices

When shopping for Arizona Auto Insurance, remember that car insurance companies can use the following factors to determine rates when shopping for car insurance:

  • Driving record
  • Age
  • Gender
  • Marital status
  • Location
  • Your car’s make and model
  • Your average mileage
  • Credit history
  • The types of optional car insurance you purchase
  • Your deductible (out-of-pocket expenses you must pay towards a claim)
  • The higher your deductible, the lower your premium

Arizona Car Insurance Discounts

One way to get affordable car insurance rates is to take advantage of any discounts for which you are eligible. When making car insurance comparisons, ask about the following standard discounts:

  • Good or Safe Driver discount – Most Car Insurance Companies offer for those Ticket and Accident Free for 5 years
  • Good student discount – Typically a full time student under 24 years of age with GPA of 3.0 or better
  • Multi-car discount – More than one vehicle insured on same policy
  • Homeowner’s discount – Insure your car and home with same insurance company for multi-policy discount
  • Defensive driver discount – This is usually afforded to senior citizens or new student drivers after taking a defensive driving course.
  • Anti-theft device – Security Alarm on vehicle

While discounts are a great way to get low-cost car insurance, your best bet for affordable Arizona Car Insurance rates is to maintain a clean driving record. Obey traffic laws and drive safely to get the best possible rates.

The State of Arizona monitors your Car Insurance status by checking vehicle identification numbers (VIN) to ensure each vehicle carries the Arizona Mandatory Auto Insurance Limits. Don’t be caught off guard. The State of Arizona will suspend drivers licenses and vehicle registrations on those motorists without the Arizona State Minimum Limits Auto Insurance Limits.

Greene Insurance Group Prescott

Greene Insurance Group

Providing Best in Class Service

Since 1962, our family has pledged to protect families and businesses through personal and business insurance products.  As an Independent Insurance Agent, the Insurance Professionals at Greene Insurance will review your present insurance coverage and help you compare insurance rates from top-rated insurance companies.  We’ll be your local Insurance Agent and here to answer any questions regarding your insurance coverage or potential claims.  You can trust the Team at Greene Insurance Group for best in class service.  Greene Insurance Group offers insurance products in Arizona, Utah and Illinois.

Greene Insurance Group - Independent Insurance Agent

Arizona Independent Insurance Agent

Greene Insurance Group is an locally-owned Arizona Independent Insurance Agency offering personal insurance and business insurance from top-rated insurance companies.  Unlike many other insurance agencies, Greene Insurance Group isn’t owned by or contracted with just one insurance company. We’re a locally-owned Independent Insurance Agency allowing us to customize insurance coverage and better serve our clients.

Insurance from Top-Rated Insurance Companies:

Some of the insurance companies include:  Auto-Owners, AmShield-Shelter, Chubb, Cincinnati, Foremost-Farmers, The Hartford, Main Street – American Family, Mercury, National General – Allstate, Progressive, Safeco – Liberty Mutual, Travelers, West Bend and many more.

Some may assume purchasing insurance online or direct from an insurance company offers more savings. We have found this isn’t the case. Clients who compare our insurance quotes, coverage, discounts and features versus those of our competitors, find the insurance quotes and service we provide r ival our competitors.

Greene Insurance Group - Trusted Choice Insurance Agent

Trusted Choice Insurance Agency

Some final considerations when purchasing insurance:

  • Once you purchase insurance, Who is your point of contact when a question or a change to your insurance?
  • Will you experience long hold times when you call?  Will you be calling a call center or speaking with a Licensed Insurance Agent?
  • Will you have to wait for a return call to speak with an Licensed Insurance Agent?  At Greene Insurance Group, we answer our calls promptly.
  • Insurance rates change from time to time and your insurance needs may change when you move, trade vehicles or have a claim. Does your insurance company or insurance agent offer insurance from other insurance companies? Greene Insurance offers insurance from dozens of top-rated insurance companies.
  • Some insurance agents or insurance companies require their customers to submit a contact request and wait for an email repsonse. It’s a promise to our clients, you will always be our priority and our licensed insurance agents will answer your call, return messages and respond in a timely fashion to your emails.
  • You can trust Greene Insurance Group.  We save our clients time & money. You can relax knowing when you select Greene Insurance, we’re working in your interest to help you understand your insurance coverage as we customize coverage to fit your unique needs.

Once you select Greene Insurance Group, we’ll be your local insurance agency. The team at Greene Insurance Group prides itself with providing best in class service.

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