Finding The Right Arizona Auto Insurance
Driving in Arizona might seem like a very easy thing to do. There isn’t much snow, not that much rain, and for the most part, there are wide-open roads. Piece of cake, right? Well, this is true only if you have Arizona auto insurance. Imagine how difficult any future driving will be after you see flashing lights behind you, the officer asks for your insurance, and you have none.
Arizona auto insurance laws are no joke. Be prepared to get your license taken away for a year and pay a hefty fine of $1,000. As you can see, finding the right auto insurance in Arizona is a simple thing to do as long as you follow some easy steps.
Don’t Go with the First Insurance You See
When purchasing just about any product, you want to make sure to shop around for a while first. Many online sites are able to help you compare different auto insurance quotes. Make sure that you are looking at customer reviews as well.
By comparing insurance companies side by side, you can get a much better look at what each company is offering. If looking for different insurance companies online is overwhelming for you, don’t worry! There are new tools online that will give you quotes at the click of a mouse. Just sit back and relax while the quotes come to you!
Best Arizona Auto Insurance for You
The best option by far is using an insurance broker. Brokers like ours at Insurance Professionals of Arizona are able to use their extensive knowledge of the complexities of insurance to get you the most discounts and best value plan.
Rely on us to walk you through your different options and do the heavy lifting for you.
Choose the Right Insurance Policy for Your Car
It is crucial to consider the type of vehicle you will be driving in the future before shopping for auto insurance. Arizona auto insurance policies will be quite different for a 1990’s pickup truck than they would be for a new Tesla.
There are also luxury insurance policies that you may have to buy if you are driving an exotic car.
Each state maintains various regulations regarding the different insurance policies for specific cars, and Arizona is no exception. You must speak with your insurance sales professional about the type of car (or cars) you are trying to cover before you start narrowing down choices. That lets you rest assured that you are driving your automobile legally and fully protected by the right insurance policy.
Take a Look at the Different Arizona Auto Insurance Discounts You can Apply
In most cases, drivers can find one or many discounts that they can apply to lower insurance rates each month. These discounts can range from good student discounts to military service discounts.
Good student discounts are great for high school students who usually have very high insurance rates due to their young age and inexperience with driving. Simply providing your insurance company with a copy of a report card can often lower the rates to pay each month on your Arizona auto insurance.
Good driver discounts are becoming more and more common nowadays, too. They use small GPS and data trackers that you can place in your car to earn safe driver discounts. However, you need to make sure you keep speeding to a minimum.
Choosing the Right Deductible can Make a Big Difference
Learning about your auto insurance deductible is going to make a big difference in how much you are paying in premiums every month. If you are willing to pay a larger deductible when you do get into an accident, you will pay substantially less in insurance premiums. On the other hand, if you want to have very low deductibles (again) when you get into an accident, your insurance premiums must be much higher. This is a decision that you and your broker can make, based on the type of driving that you typically do.
For example, if you are using your truck at a construction site, it is more likely that something will damage your vehicle. In this case, you may want to have a much lower deductible. That will allow you to pay less than you otherwise would over time.
Deciding What Your Arizona Auto Insurance Policy Limits Should Be
‘Policy limits’ can make your insurance premiums very high or not very expensive at all. For example, if you drive a $250,000 Mercedes G-Wagon, you do not want your personal property limit to be $5,000. However, if you are driving a 1993 Toyota Corolla with 280,000 miles, $5,000 may even be too high of a policy limit.
Property damage limits, however, are a different story. These limits protect you against the damage you do to another car. However unlikely it may be, you could crash into a Porshe 911-turbo, and it could cost $18,000 just to fix the tail light!
Your broker can help you decide the best limits to set based on the type of vehicles or property in your area and the value of your car.
Consider Adding Additional Coverage
There are even more convenient coverages you can add to your insurance policy than you might think!
For example, having a rental car policy will help you when you get into an accident. This policy will help you get a replacement car after an accident while yours is being repaired.
Roadside assistance is also an extremely convenient coverage option if you become stranded on the road with a flat tire or other auto issues.
Gap insurance is a great idea to have on your policy, as well, if you are still paying off your car (which will help you pay off your remaining loan).
These are just a few of many additional coverages you may be interested in adding to your policy.
Arizona auto insurance can be confusing, and you do not have to figure it out on your own.
Finding the right auto insurance no longer has to be a hassle like it was years ago. There are simple ways to prepare yourself to find the right insurance policy that will work for you. The tools available online will help make your experience shopping for the right auto insurance much better. It is now easier than ever to sit back at home and start saving money online by purchasing the right insurance policy.
At Insurance Professionals of Arizona (IPA), you can be sure that you are getting the right coverage for your situation.
Professionals are standing by waiting to help you find the right insurance. Don’t wait any longer. The right insurance is waiting for you right around the corner. Call today!
Now It’s Your Turn
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