Arizona Car Insurance – Be Informed And Find The Right Cover

2007-03-08 10:33:40

( Insurance )



Arizona car insurance can be costly. But if you spend time getting information about auto insurance Az and shop around, you can save money on your Phoenix auto insurance.

In regard to insurance Arizona state law requires you to provide proof of financial responsibility if you are a licensed driver in Arizona. This can be in the form of Arizona car insurance or any other proof showing you have sufficient funds to cover for damages or injuries in case of a car accident.

Bodily injury and property damage coverages are the minimum Arizona car insurance requirements. Medical expenses, lost earnings and pain and suffering caused by an auto accident (where you are involved) are covered by bodily injury protection. You may buy a higher protection if you can afford it. This ensures that your assets will be spared from any claims arising from injuries you cause while driving your car.

Property damage coverage pays for the property damage that you may cause in an auto accident. Damage to buildings, other vehicles and their contents, fences and road signs are included in this coverage.

You may opt to buy uninsured and underinsured motorist, collision, comprehensive and medical payments coverages. Uninsured and underinsured motorist coverage protects you from expenses arising from vehicular accidents caused by an uninsured or underinsured driver.

Collision coverage pays for the expenses of repair or replacement of your car caused by a collision. Damages arising from events other than collision (theft, wind, hail, falling objects and the like) are covered by comprehensive protection. If you choose to buy collision and comprehensive coverages, make sure to raise your deductibles; by increasing the amount you are willing to shoulder on repairs, you will lower your insurance premium cost.

After you have identified your Arizona car insurance needs, make sure to ask your insurer if you can qualify for discounts.


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