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Auto Insurance Buyer's Guide for Arizona

How to Shop

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Step 1. Understand What Factors Affect Your Rates

Become an informed insurance consumer. In Arizona, every car, truck, motorcycle, moped and golf cart must be insured. Each insurance company looks at your driving record, where you live and what you drive in order to charge an accurate rate. Many companies offer discounts for hybrid cars, low mileage, and defensive driving courses. Previous claims, traffic tickets, years of education and your occupation may also affect your rate. Lastly, the amount of coverage, deductibles and safety of the car will be important factors when you get a quote.

Drivers With No Accidents	VS.	Drivers With 2 or More Accidents
Average rate increase = $1,000

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Source: Insurance.com data, 2009.

Step 2. Decide How Much to Buy

Choose your coverage with confidence. The required minimum limits in Arizona are 15/30/10. If you own a home or condominium, it’s smart to buy more than the minimum to protect your assets. You can be held personally liable for injuries you cause that exceed the minimums. If you’re a renter with limited assets or buying insurance for the first time, minimum limits of liability will keep you legal. Start with your current policy limits, and then check the cost of buying more – or less – coverage than you have today, so you understand the trade-offs.

Why Buy Comprehensive Coverage?

Rank	State	Cars Stolen
1.	California	219,392
2.	Texas	93,899
3.	Florida	73,656
4.	Arizona	48,389
5.	Georgia	42,594

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Source: National Insurance Crime Bureau.

Step 3. Shop Smart and Save

Comparison quotes give you choices for saving. Compare rates from the thirteen Arizona auto insurance companies we represent – by completing just one application online or by phone. Arizona auto insurance rates are higher on average than in most Southwestern states, so a quick comparison can save you money almost immediately. It’s a good idea to compare rates every year because most insurance companies change their rates annually.

Get Quotes From These Top Arizona Carriers

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Step 4. Learn How Auto Insurance Really Works

Auto insurance can get complicated. But, when you understand your choices, you can shop with confidence. In Arizona, your insurance quote is based on the personal information you provide about the drivers on your policy, plus your driving and claims history. Insurers may also evaluate your financial stability based on select information from your credit report.

You save time and money when you get comparisons from our A-rated companies. Ready to see how much you can save?