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When shopping for an Arizona car insurance quote online, keep in mind the state requirements for auto insurance. Here are some things you should know.
The state of Arizona requires that before you can register a vehicle, you show some proof of financial responsibility in case of liability. Usually this means getting an auto insurance policy, but it can be a bond, or a certificate of deposit or cash for at least $40,000.
Arizona, like most states, also has minimum required coverages for Bodily Injury and Property Damage on your auto insurance policy. They are:
Bodily Injury. This is to pay for injury to other people besides you who are hurt in an accident that you are legally responsible for: Minimum of $15,000 per person and $30,000 per accident. You would need Medical coverage to pay for injuries to yourself.
Property Damage. This is to pay for damage to vehicles or other property that were damaged by you in a collision. Minimum of $10,000 per accident. This does not cover damage to your vehicle. You would need Collision coverage for that.
Keep in mind that these are the minimums required by state law. You still could be financially liable for any costs above those minimum amounts, so you may want to consider raising the limits on Bodily Injury and Property Damage.
When you shop for Arizona auto insurance quotes, it's good to have this information ready. Since auto insurance costs vary from company to company, you should always get at least three different quotes. By using the same information for each quote, you can get a more accurate comparison.
Related : Insurance, Auto Insurance auto insurance sr22
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