There are many different ways to find a cheap Arizona auto insurance policy. From bundling auto insurance and homeowners insurance together to taking advantage of various discounts it is certainly possible to find a very cheap Arizona car insurance rate if one is simply willing to put in the effort.
Arizona is one of the states with the largest population growth since 2005 according to the U.S. Census Bureau. Their estimated population as of 2006 is about 6,166,318 and it has increased 20.2% from the year 2005. According to the insurance companies report last year one of the cities with the highest automobile insurance premiums was Phoenix, Arizona. This might be due to the fact that the population in the state has been rising steadily, leading to more cars on the road (which rise the risk of getting into a car accident) and a rise in the vehicle theft rates in the whole state.
This however does not mean that people in Phoenix and all Arizona cannot get cheap automobile insurance, In fact, cheap automobile insurance within the state can be achieved through many ways and in this article we will give you just a few of the many tips available for you to find that long awaited low-cost Arizona auto insurance policy you have been looking for.
It is important to understand that the state of Arizona just like any other state has minimum auto insurance requirements for an individual to be able to drive. A person looking to get behind the wheel of a motor vehicle in the state has to be provide proof of what is called a 15/30/10 coverage. This means that the person must have at least $15,000 of Bodily Injury liability per person (per accident), $30,000 in Bodily Injury Liability per total (per accident) and $10,000 for property damage per accident. The state like many others does not require a person to have a personal injury protection coverage, however in case of an injury during an accident this coverage is essential to have.
If a person wants the cheapest AZ automobile insurance possible within the state they can just opt for buying the minimum state requirements. You will be paying less than many others, but you will have some risks in case of an accident. If you do not want to do this and you want more coverage, then you can always look at increasing your deductible. By doing this your price will go down because your out of pocket cost after a wreck will go up, however you will be able to keep the coverage you want. An important thing to remind readers about is that the deductible is an important thing in the policy. Do not increase your deductible if you cannot afford it because it can hurt you in the long run.
Another thing you can do to get cheap AZ car insurance rates is to bundle up your services with just one insurance provider. Nowadays there are many insurance companies that offer life, home, health, auto and even casualty insurance. If you just stick with one insurance company and buy all the services from them a common thing is that they will surely reduce your rate by about 5-10%. A reason for this is that you are a loyal customer and by lowering the amount of money you will have to pay yearly, they are looking forward to keeping you around for a while.
Some other Arizona car insurance discounts available include a discount for keeping a good driving record. It is imperative for automobile insurance companies to charge risky drivers more, in order to protect themselves from risk. If on the other hand you are a good, defensive driver that has not gotten into any trouble into the last three years (including citations and accidents) you will be able to get a huge discount. Also look to try and maintain a good credit report. Many insurers base their prices on the ability of a person to pay punctually and on a regular basis. They will charge more to bad credit individuals because they cannot afford a missed payment.
Lastly there are two more options that will allow you to get the cheap Arizona auto insurance policy you are looking for. One of them is for you to seek special discounts from insurance companies. Good student discounts are offered by most insurers and most companies will allow you to pay a lesser rate if you show prove that you took a defensive driving class. Also look for car safety features discounts (anti-lock brakes, air bags and alarms) and if you do not have them place them in your vehicle, they will lessen the yearly rate.
The other thing you have to do in order to succeed at finding low cost Arizona car insurance is to shop around. A person that goes to more than one insurance company to ask for prices will more than likely find a lower price than one who doesn’t. Even if you are a busy person that cannot go personally and look, just go online and compare insurance companies. Learn about their history, their plans and their discounts; but most importantly look at the customer reviews. A good company is that which satisfies their customers.