Arizona Auto Insurance Requirements
In order to license your car in the state of Arizona you're only required to have liability insurance.
Liability Insurance
Liability insurance pays for property damage and physical injury claims made against you from an accident that's your fault.
The minimum bodily injury liability coverage you must carry in Arizona is $15,000 per person with a $30,000 maximum per accident. The minimum property damage coverage is $10,000.
If you don't have a lot of assets to lose from a lawsuit, this minimum coverage, expressed as 15/30/10, may be all you need. But if you do have a lot of assets, you should get enough coverage to protect yourself from personal injury lawsuits.
Personal Injury Protection
Personal injury protection (PIP) pays for reasonable and necessary medical expenses for you and your passengers when you're involved in an accident. Though the sate of Arizona does not require that you carry this coverage, it's a good idea to carry at least the minimum coverage, especially if you don't have medical insurance.
Uninsured Motorist Protection
This pays you and your passenger's medical expenses and property damage expenses caused by an uninsured driver, an underinsured driver, or a hit-and-run driver. I highly recommend you purchase this protection because one-quarter of the residents in Arizona are driving without auto insurance.
Comprehensive and Collision Insurance
Comprehensive insurance pays for damages to you car from theft, fire, vandalism, hail, etc. Collision insurance pays for damages to your car when you're involved an accident no matter who was at fault.
To save money on comprehensive and collision insurance get the highest deductible (what you pay before your insurance kicks in) you can afford to pay.
How to Get the Best Rate
Getting the best auto insurance rate in Arizona is simply a matter of comparison shopping at a insurance comparison website. In a matter of minutes you can get quotes from a number of companies and choose the cheapest rate. Some Arizonans have saved as much as $1,000 on their insurance by comparison shopping.
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