The State of Arizona has a mandatory insurance law. This means that all motor vehicles in the state must have liability insurance. The mandatory insurance law also covers motorcycles, golf carts and mopeds. Under the law, the required minimum liability insurance is $15,000 for bodily injury per person, $30,000 for more than one person bodily injury and $10,000 for property damage. Also, under the insurance law of the state, all insurance companies are required to inform the Arizona Motor Vehicle Division of any non-renewal, new policies, and policy cancellations of their clients. This means that the MVD will automatically be notified of any policy that is cancelled or is no longer active.

Now, should your policy becomes inactive, the MVD shall then notify you of the change on the status of your insurance. Since according to the state law you are required to have auto insurance, your driver’s license may be suspended if you fail to maintain your insurance. Should this happen, you will then have to file a proof of financial responsibility if you want to reinstate your driving privileges. Of course you will also pay the reinstatement fee. But the issue here is that you are now required to carry the SR-22 form for three years.

If you are looking for an Arizona car insurance quote, then we can help you . But before go further and actually compare car insurance rates, you should first familiarize yourself with what coverage you actually need. 

The minimum amount of car insurance Arizona requires is :

 bodily injury - $15,000 per injury per person - $30,000 per accident

property damage liability - $10,000

Arizona also has a Tort system. This means, the person found responsible of the accident must pay for the damages and costs related to the accident. Which is one reason why you should also get the uninsured/underinsured motorist bodily injury coverage in case the driver responsible for the accident does not have Arizona car insurance or does not have enough car insurance to cover for the cost of the accident. With this additional coverage your insurance will take care of the high cost of medical bills, loss of income and other expenses. This additional coverage is what saves many Arizona residents from going bankrupt. So if you can afford this additional coverage, you should really get it. 

The average premium for auto insurance for Arizona is around $1,800. This is close to the national average which is around $1,700. This year we saw an increase in auto insurance rates for the state. Which is why many residents choose to compare Arizona car insurance quotes. When you get multiple quotes you are able to find competitive the most competitive rate. You will also be able to get a good look at all the different discounts offered by each of the insurance providers. Then you can see where you can get the most discounts or which company offers the discounts that will help you get cheap arizona auto insurance. So not only will you get the most affordable rate, you will also get the best discounts with the coverage that you need most. Of course you have to remember to get your coverage from a state registered Arizona car insurance provider. And last, ask about other coverages. You might be surprised to find that for a few extra dollars on your premium you can actually become fully protected with the other types of coverage with greater insurance coverage amounts. So with just a few bucks, you are assured that whatever happens, you are totally protected and will not have to worry about the cost of an accident.

Affordable Arizona auto insurance seems out of reach to some drivers. Finding insurance for an Arizona vehicle can get expensive. But there are ways to find cheap arizona auto insurance coverage. The trick is knowing how to get it.

Affordable Arizona Auto Insurance
In almost every situation, if you compare car insurance quotes you will find cheap arizona auto insurnce.

Discounts
For the most part Arizona auto insurance providers offer discounts. However they are not always announced to every one. And while some discounts apply for all drivers, most do not. One discount that is provided to a specific group of individuals is the good student discount which only applies to students. Selected students can qualify for discounted Arizona auto insurance by maintaining a certain grade point average. The student must provide proof of the grades by faxing a copy of the report card to the insurance provider.

Some insurance providers will award cheap Arizona auto insurance if a driver takes a defensive driving course. No, not one of those traffic survival courses because you got a ticket classes or one of those beginners driver education classes, but an Arizona defensive driving class that will teach drivers how to be more efficient on the road. These type of defensive driving courses teach drivers how to maneuver their vehicle out of what is typically a sticky situation.

Clean Arizona Driving Record
Hard to do… yes, but if a driver can keep their record free of tickets and accidents, they will be rewarded with lower auto insurance rates. If someone receives a ticket, and they have not attended Traffic Survival Classes in the last two years it would be in their best interest to. This way the ticket will not appear on their insurance record. Once the insurance company is notified of the ticket, you can bet that your car insurance rates are going to go up. The points will however be erase after a few years.