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Cheap Auto Insurance AZJust because it’s “cheap auto insurance”, doesn’t mean you are sacrificing quality. When you know what to look for, you can save yourself a lot of money on your car insurance! When you work with us, you can be assured that we care about you, your budget, and your safety.. We are committed to giving our customers an easy (and easy to understand!) experience with auto insurance, and are proud to serve you personally in the Arizona area. We can offer you exactly what you need for the lowest price possible - guaranteed!
Who has the cheapest car insurance in Arizona? This is a great question! We work with several large auto insurance companies in order to get the best rates for our customers. Instead of spending your time searching around for different quotes, we’re able to compare prices from Progressive, Infinity, Kemper, Safeway, Gainsco and more- all at once! Different companies can offer lower prices depending on your driving record, what kind of car you drive, and what kind of policies you are looking for. We can also look at which company is easiest to work with, and has the best benefits for you. Schedule a consultation with us to solidify your needs, choose your coverage rates, and find the lowest car insurance quotes in Arizona! If you live in Arizona and need affordable car insurance, look no further! We can help you with:
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FREE INSTANT QUOTE!
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What is the Minimum Requirement for Car Insurance in Arizona?
Each state has a required minimum that you must reach in order to be counted as an “insured motorist”. It can be very costly to drive without insurance, and is considered a traffic violation in our state. If you are in an accident and you are uninsured, this can cause your insurance rates to increase astronomically once you start paying for auto insurance. So, if you’re looking for cheap, make sure you’re reaching at least the state minimums.
What is the Minimum Liability Coverage Required in Arizona? Let’s take a look:
If you are looking for cheap auto insurance, you will need to be aware of different types of insurance, and find someone who will work with your needs. We can offer you super low auto insurance rates here in Arizona. Let’s review several types of insurance, what they are, and how you can benefit from them. Once you understand this, you will find yourself in a position to make the wisest decisions on your auto insurance. If you don't have time to read through the different types of insurance call us now and one of our agents will be able to help you shop for the right cheap car insurance.
Each state has a required minimum that you must reach in order to be counted as an “insured motorist”. It can be very costly to drive without insurance, and is considered a traffic violation in our state. If you are in an accident and you are uninsured, this can cause your insurance rates to increase astronomically once you start paying for auto insurance. So, if you’re looking for cheap, make sure you’re reaching at least the state minimums.
What is the Minimum Liability Coverage Required in Arizona? Let’s take a look:
- Bodily injury liability coverage: Minimum $25,000 per person in the accident and $50,000 per accident. This means that your insurance would cover any injuries you cause another person up to $25,000, and your insurance would only cover $50,000 per accident regardless of the injuries or number of people.
- Property damage liability coverage: Minimum $15,000. With this minimum, your insurance will cover any property damage that you cause in an accident up to $15,000.
If you are looking for cheap auto insurance, you will need to be aware of different types of insurance, and find someone who will work with your needs. We can offer you super low auto insurance rates here in Arizona. Let’s review several types of insurance, what they are, and how you can benefit from them. Once you understand this, you will find yourself in a position to make the wisest decisions on your auto insurance. If you don't have time to read through the different types of insurance call us now and one of our agents will be able to help you shop for the right cheap car insurance.
Liability Insurance or Auto Liability Insurance.
Finding cheap auto insurance in Arizona means that you will need to think about Limited Liability Insurance as well as understanding the Minimum Liability rates. What is Limited Liability Insurance? This is a kind of insurance that will pay for damages that you cause in an accident. For example, if you rear-end someone. Your Liability Insurance would kick in and work with the other person’s insurance to help you pay for the damages done to their car up to your decided limit. Liability insurance is your basic “bread and butter” for auto insurance. This will be the first type of insurance that you need to purchase. Also, keep in mind that there are specific minimum liability rates that you must meet, depending on your state. We will help you meet the minimum liability rates in Arizona so you can rest easy! When looking for cheap auto insurance, this is the place to start. Contact us for the best Liability Insurance rates in your area.
Finding cheap auto insurance in Arizona means that you will need to think about Limited Liability Insurance as well as understanding the Minimum Liability rates. What is Limited Liability Insurance? This is a kind of insurance that will pay for damages that you cause in an accident. For example, if you rear-end someone. Your Liability Insurance would kick in and work with the other person’s insurance to help you pay for the damages done to their car up to your decided limit. Liability insurance is your basic “bread and butter” for auto insurance. This will be the first type of insurance that you need to purchase. Also, keep in mind that there are specific minimum liability rates that you must meet, depending on your state. We will help you meet the minimum liability rates in Arizona so you can rest easy! When looking for cheap auto insurance, this is the place to start. Contact us for the best Liability Insurance rates in your area.
Full Coverage Insurance (Comprehensive and Collision Coverage Insurance)
Once you have reached the adequate minimum liability rates in Arizona, you can purchase other types of insurance such as Full Coverage Insurance. What is Full Coverage Insurance? Do you even need Full Coverage Insurance? This type of insurance is meant to cover you in more situations than a basic Liability Coverage. Full Coverage policies can include:
One of the main benefits of Full Coverage Insurance is that it covers your personal vehicle. While you are required to have Liability Insurance to cover damage that you cause to other vehicles, it is not mandatory to cover your own. Taking advantage of Full Coverage Insurance will allow you to further cover your expenses in event of an accident or damage to your car. We are here to help you choose the best Full Coverage rates for your budget. There are many different policies and types of full coverage, give us a call today for a consultation!
Once you have reached the adequate minimum liability rates in Arizona, you can purchase other types of insurance such as Full Coverage Insurance. What is Full Coverage Insurance? Do you even need Full Coverage Insurance? This type of insurance is meant to cover you in more situations than a basic Liability Coverage. Full Coverage policies can include:
- Damage you cause to others (as per your liability coverage)
- Damage to your vehicle
- Personal injuries. Different policies can cover these injuries if you are at fault or you are dealing with an underinsured/uninsured motorist.
- If your car is stolen or destroyed by a natural disaster
One of the main benefits of Full Coverage Insurance is that it covers your personal vehicle. While you are required to have Liability Insurance to cover damage that you cause to other vehicles, it is not mandatory to cover your own. Taking advantage of Full Coverage Insurance will allow you to further cover your expenses in event of an accident or damage to your car. We are here to help you choose the best Full Coverage rates for your budget. There are many different policies and types of full coverage, give us a call today for a consultation!
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Collision Insurance in Arizona
When talking about Comprehensive or Full Coverage, it is important to note the difference between Collision Insurance and Comprehensive Coverage. In most cases, Collision Insurance will cover anything hitting your car. For example, running into a tree or another vehicle. Comprehensive insurance will cover theft or damage caused by weather such as a natural disaster or a hail storm. If you have a lease on a new car, you must have both Collision and Comprehensive Coverage. If you own your car (don’t owe anything on it) then we can help you decide if the risk is worth it or not. We will help you know when it is best to keep your Collision insurance, when you might want to start paying less, or if you might want to consider dropping it all together to save more money on your auto insurance.
Underinsured or Uninsured Motorist Coverages
These coverages can be a part of your customized Full Coverage policy or can be added to a liability only policy, but it is important to understand what they are. If you are in an accident and the other person is at fault, you suddenly become very concerned about what kind of insurance they have. If they have Liability insurance but only have the minimum, it might not be enough to cover all of your expenses. At this point, you may be stuck with enormous medical bills or vehicle damage even if the accident was not your fault. Even worse, if the person is completely uninsured, you are not guaranteed any compensation because they were unprepared. When you have an underinsured or uninsured motorist policy, you will be sure that you are covered even if you are in an accident involving someone with less than adequate insurance. We will help you understand the risks and costs involved with adding these types of policies to your car insurance.
When talking about Comprehensive or Full Coverage, it is important to note the difference between Collision Insurance and Comprehensive Coverage. In most cases, Collision Insurance will cover anything hitting your car. For example, running into a tree or another vehicle. Comprehensive insurance will cover theft or damage caused by weather such as a natural disaster or a hail storm. If you have a lease on a new car, you must have both Collision and Comprehensive Coverage. If you own your car (don’t owe anything on it) then we can help you decide if the risk is worth it or not. We will help you know when it is best to keep your Collision insurance, when you might want to start paying less, or if you might want to consider dropping it all together to save more money on your auto insurance.
Underinsured or Uninsured Motorist Coverages
These coverages can be a part of your customized Full Coverage policy or can be added to a liability only policy, but it is important to understand what they are. If you are in an accident and the other person is at fault, you suddenly become very concerned about what kind of insurance they have. If they have Liability insurance but only have the minimum, it might not be enough to cover all of your expenses. At this point, you may be stuck with enormous medical bills or vehicle damage even if the accident was not your fault. Even worse, if the person is completely uninsured, you are not guaranteed any compensation because they were unprepared. When you have an underinsured or uninsured motorist policy, you will be sure that you are covered even if you are in an accident involving someone with less than adequate insurance. We will help you understand the risks and costs involved with adding these types of policies to your car insurance.
Medical Payments
If you are in an accident and you are injured, Medical Payments will pay for your bodily injury, regardless who was at fault. Limits of up to $25,000 per person in your vehicle are available. This can help cover costs that your health insurance policy does not.
Sr-22 In Arizona
Sr-22 Insurance isn’t really insurance at all, it can also be called a certificate of insurance or a financial responsibility filing; it is an insurance document that you may be required to carry. You might be asking: “Do I need Sr-22 insurance?”. Sr-22 insurance is a special policy given to high risk motorists. Your policy is considered “high risk” if you have:
Depending on the situation, you might need Sr-22 insurance for anywhere between 3-5 years. Being required to have an Sr-22 can be very costly, and can cause your insurance rates to be raised dramatically (even up to 89%!). This is why it is so important that we help you find cheap liability insurance because driving uninsured can have serious consequences in the future.
The bottom line:
How can you get cheaper insurance in Arizona? There are many ways we can help you find the cheapest car insurance possible. Helping you understand the different types of insurance and coverages is one of the best ways. You might also keep in mind the following:d
Our biggest piece of advice when looking for cheap insurance in Arizona is this:
Don’t break the law, drive safely, and ensure that you are meeting the minimum requirements.
Give us a call today to schedule a free quote, and we’ll work to get you the lowest auto insurance rates for your needs!
If you are in an accident and you are injured, Medical Payments will pay for your bodily injury, regardless who was at fault. Limits of up to $25,000 per person in your vehicle are available. This can help cover costs that your health insurance policy does not.
Sr-22 In Arizona
Sr-22 Insurance isn’t really insurance at all, it can also be called a certificate of insurance or a financial responsibility filing; it is an insurance document that you may be required to carry. You might be asking: “Do I need Sr-22 insurance?”. Sr-22 insurance is a special policy given to high risk motorists. Your policy is considered “high risk” if you have:
- An uninsured accident in your record where you were at fault
- Conviction of a DUI
- Other serious or repeated traffic violations
- If your license has been revoked or suspended
Depending on the situation, you might need Sr-22 insurance for anywhere between 3-5 years. Being required to have an Sr-22 can be very costly, and can cause your insurance rates to be raised dramatically (even up to 89%!). This is why it is so important that we help you find cheap liability insurance because driving uninsured can have serious consequences in the future.
The bottom line:
How can you get cheaper insurance in Arizona? There are many ways we can help you find the cheapest car insurance possible. Helping you understand the different types of insurance and coverages is one of the best ways. You might also keep in mind the following:d
- Keep your credit in good standing, although bad credit isn't the end of the world when it comes to auto insurance! We can still find you a great deal!
- Call an agency (like Fast Insurance) who is committed to getting you exactly what you need
- Call us for an insurance quote before buying a new vehicle
- Keep your policy active! Continuous insurance is a huge discount.
- Buying different types of insurance in the same bundle can also reduce your costs dramatically, ask us about our lower bundle rates!
Our biggest piece of advice when looking for cheap insurance in Arizona is this:
Don’t break the law, drive safely, and ensure that you are meeting the minimum requirements.
Give us a call today to schedule a free quote, and we’ll work to get you the lowest auto insurance rates for your needs!
Cities we serve and provide cheap car insurance For
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