HANDYMAN 
Find Ways to Lower Your Auto Insurance Premiums in Arizona
As with most states, AZ requires motorists to obtain compensation in order to legally operate a motor vehicle and proof financial responsibility must be shown before an automobile can be registered with the state. The Grand Canyon State allows residents to abide by this law in a few different way including obtaining a bond, certificate of deposit of cash in the amount of $40,000. Although these options are available to residents, in many cases these methods of satisfying the state’s laws may not be feasible for some individuals due to the expense and amount of money needed; not very many people have $40,000 laying around or are willing to deposit it with the state.
The most common way that motorists choose to abide by the Financial Responsibility Law is to purchase a policy from a licensed Arizona auto insurance company. It is for this very reason that it is important that motorists understand how to find the cheapest rates in order to keep the cost of coverage as low as possible in order to maintain continuous protection and state within the state’s legal requirements. Currently, AZ requires as a minimum that motorists carry policies consisting of no less than Bodily Injury Liability of $15,000 per person, $30,000 per accident and $10,000 for Property Damage Liability. If an individual does not do the necessary homework and take the time to understand how to lower premiums they can end up paying far more than they should for a policy.
Ways to Lower AZ Car Insurance Premiums
If a person is a current policyholder and that have been steadily seeing their rates increase it may be wise to begin shopping around and comparing the prices of various other insurers to ensure that their carrier is still competitively priced compared to other providers in AZ. People may wonder why their premiums increase even if they have not had any tickets or accidents during the term of the policy; in many cases this has nothing to do with the insured, but the insurer themselves. Usually when a carrier begins to raise pricing it is do to the amount of losses that they have experienced in a recent time frame and they must increase revenue to balance out for the money that they have lost. So if an individual sees they have had an increased premium they may want to comparison shop because there is probably a company available that has not suffered the same amount of loss and can offer a more affordable rate; it is also a good idea to occasionally compare rates even if they have seen in increase in their bill because other companies could have lowered rates or a cheaper carrier may have entered the market.
The best way for a person who has yet to purchase a policy can find the cheapest insurers is to shop around and get quotes from as many companies as possible. Each insurer will view each applicant differently based on the criteria of the driver and the experience that they have had with similar drivers; in most cases the lowest priced insurer will vary for two motorists with many similarities due to small differences. The Arizona Department of Insurance also suggests that consumer be sure and take advantage of any discounts that are applicable. Carriers in AZ offer drivers a discount for being accident free, insuring more than one automobile with the same company, being a good student and/or a non-smoker and discounted rates for vehicles with air bags and automatic seat-belts. Motorists should be aware that discounts offered and the amount discounted will vary with each insurer. Another way to lower premiums is to raise deductibles if you have comprehensive and collision coverage, but keep in mind that this is the amount that will have to be paid in the event of a loss so be sure not to choose a high amount that cannot be afforded if the vehicle were to sustain damage.
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Saturday, May. 29th 2010 5:30 PM at 5:30 pm
One very common reason an unlicensed driver would need to obtain coverage is if their driving privileges have been suspended and they need to prove that they have purchased the state’s requirements in order to have privileges reinstated.
According to the South Dakota Department of Public Safety, an operator who has had their driver licensed suspended or revoked following a judgment, lack of insurance, driving under the influence, vehicular homicide or for two convictions of reckless driving in one year must obtain proof of financial responsibility before operating a vehicle within the state; this also applies if they wish to register a vehicle in SD as well.
Although this is an example of one particular state’s laws, there are many cases when unlicensed motorists will need to obtain coverage. Consumers should be sure to be familiar with their state’s requirements to avoid penalties for lack of an automobile policy.
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