If you are looking for the cheapest possible car insurance in Arizona there are only two things you have to know.
First you need to know about Arizona’s low-cost basic liability policy. This policy is the cheapest insurance you can possibly buy in Arizona and still drive 100% legally.
Each state sets its own minimum limits when it comes to its approved basic liability policy. In Arizona the lowest pay-out limits you can buy are 15/30/10. What this means is that if you are at fault in an accident your liability insurance will pay a maximum of $15,000 in medical claims to any one individual who is injured and your insurance will pay a maximum of $30,000 if two or more people are injured, regardless of the total number of people injured or the extent of their injuries. Your liability insurance will also pay a maximum of $10,000 for any property damage you cause. This includes the cost of repairing the other person’s car.
One of the things you need to be aware of if you are going to purchase a minimum liability policy is that the maximum amounts that the insurance pays may not be enough to cover all of the medical or property damage bills in even a moderate-sized accident. If your basic liability policy doesn’t cover the full costs of the accident YOU could be forced to pay the difference. This means it’s possible for you to have insurance yet still lose your savings account or even be forced into selling your home.
The other thing you need to be aware of is that a basic liability policy doesn’t cover YOU at all. In other words it won’t pay a penny for the repair of your vehicle and it won’t pay a penny for your medical bills or for the medical bills of any passengers in your vehicle.
The second thing you have to know if you’re serious about finding the cheapest car insurance in Arizona is that the best place to find your insurance – whether it’s a basic liability policy, a full-coverage policy or something in between – is online.
Online insurance sellers have very few expenses and virtually no overhead so they are able to offer their insurance at far less cost than their brick and mortar cousins.
One trick to finding the very best price online is to make price comparisons on several different websites that are designed to compare the prices from different insurance companies. Don’t rely on just one site since each site only compares a small handful of insurance companies.
Once you’ve looked at prices on at least 3 different price comparison websites then simply choose the lowest price you’ve found and you’re done!
By: Alexis Jensen
Archive for November, 2009
Cheap Car Insurance in Arizona
November 29th, 2009Auto Insurance For Used Cars
November 29th, 2009
The experience proved that individuals usually think there is noticeable difference between obtaining insurance for new and used autos. Actually both are almost the same. To say in other words, the major principles are alike, but the details, of course, differ.
Still, there is one key difference – auto insurance companies charge fewer premiums for used car insurance. The main reason for this is that if a used car is either stolen or damaged so that it is impossible to repair, the insurance company survives to lose less money than on a new auto in the same condition. That sequentially means that the insurer can charge fewer rates for comprehension and accident coverage that certainly lowers the payment.
Used car possessors might consider raising their deductibles in response for a lower payment. For a new auto, lower deductibles seem right as the price of the car is higher. Though, for a lower-price used car, paying a high payment is of no profit. You might take into account, although, that the high the deductible, the more you are out of pocket amounts for insignificant repairs and request clearance. On the other hand, the accepted tendency for most car buyers is to save on the premium for a used car at the probability of paying extra at the moment of managing a claim.
Driving history is very important asset in this case; it is mainly similar for both, used and new cars. The majority of auto insurance companies also consider the history of the car under consideration when giving a used car insurance estimate. Obviously, an unstable driving history with lots of black points will lead to a higher payment, so it might be sensible to try and recover the record as best as you can, previous to setting out to obtain your used car insurance. The easiest way to make this, naturally, is to drive watchful.
Another feature that most car insurance companies consider is the location where you’ll do your driving mainly and the parking arrangements for your used auto. Logically, if you limit your trips to quiet uptown areas, you take less possibility of getting in an accident than if you speed in the mean city roads that stands for a lower premium. Likewise, if you are parking your car in an auto-theft area, you will not achieve sympathy with insurance companies, who would rather choose a private garage in a quiet place of city any time.
Lastly, the type of automobile you buy will also have an affect on your car insurance rates. Hence, a car with high performances will lead to higher premium as the risk of theft raises in the eyes of insurer.
Therefore, my advice is to buy a protected, family car, owned by a safe and stable person. Nothing makes insurers happier than care and caution. Second hand cars also cost less to insure and should be a significant issue in your concluding purchase decision.
Learn more about insurance for used cars at Wawanesa Insurance.
By: David Hunter
Liability Car Insurance
November 28th, 2009
I wanted to break down the main parts of car insurance for you to understand what each are and why you have to pay so much for each part. The three main parts are liability, collision, and comprehension. This article is about liability car insurance.
Liability insurance covers medical bills if you are in an accident. Some insurance has this divided into 2 groups – bodily injury and property damage. Most have it grouped into one coverage called liability.
Liability insurance covers medical bills and legal responsibility for you if you are involved or cause an accident. If you are sued, and believe me I know, the “injured” party will sue for everything you’ve got and hopefully settle for whatever your limits of liability are.
I rear-ended a hooptie old pickup truck. Not bad, mind you. I checked on the lady and asked if she was all right. After she found her purse, she said oh, my neck, repeatedly until the ambulance arrived. The only damage to her no tail light truck was the home made bumper was bent. She was paid $2800 for a $500 truck and then she sued me for $78,000.
I only had coverage for up to $25,000 and she took the full amount and dropped the case, but she could’ve sued for more. I would’ve had to sold everything I had and then some to pay her off. So if you haven’t already, increase your limits of liability. I didn’t know I should increase my limits as I relied on my insurance agent to take care of me. He didn’t care. You know how much more it cost to raise my limits? $8. whoopee. I had to make him increase it.
Remember, you don’t always hit hooptie trucks in an accident. You could crash into a brand new Mercedes and that would easily eat all your insurance. Even a brand new “regular” vehicle can cost $25,000. I recommend you raise your limits to protect your home, family, savings, retirement, and any financial future you hope to have.
In summary, liability is required in most states. It’s the law. If you get a ticket, you can rest assured that the ticket for no liability insurance is higher than what you would’ve paid for the insurance in the first place.
By: Stuart Simpson