What determines AZ Car Insurance Prices
When shopping for AZ Car Insurance, remember that car insurance companies can use the following factors to determine rates when shopping for car insurance:
- Driving record
- Marital status
- 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.
Arizona Car Insurance Requirements
To comply with Arizona Insurance Laws, you are required to maintain liability insurance and property damage on your automobile insurance.
Liability insurance helps cover your costs associated with injuries and property damage to others resulting from a car accident you cause.
As of July 1, 2020, the Arizona State Minimum Car Insurance Limits:
- $25,000 for bodily injury per person
- $50,000 total for bodily injury per accident
- $15,000 for property damage
The State of Arizona monitors your car insurance status by checking vehicle identification numbers (VIN) to ensure each vehicle carries the Arizona Mandatory Car Insurance Limits. Don’t be caught off guard. The State of Arizona will suspend drivers licenses and vehicle registrations on those motorists without the State Minimum Limits.