Auto Insurance - What You Should Know
Drivers in Arizona have it lucky.
Not only does their state have some of the lowest mandatory requirements of any of the other forty nine states, but the government website is full of easy to read and understand information regarding the best way to meet these financial obligations as well as what other insurance options you may want to carry besides the state mandated minimum.
In other words, AZ auto insurance can keep you covered from A to Z.
First of all, the minimum financial liability requirements legislated by the state of Arizona are only for bodily injury and property damage.
You must carry at least fifteen thousand per person or thirty thousand per accident to cover the bodily injuries you might inflict during an accident.
You must also carry a minimum of ten thousand dollars to cover any property damage to the other guy's car or any surrounding objects like fences or mailboxes.
The rate of this basic insurance differs from carrier to carrier as well as from driver to driver, as everyone's driving record is different.
Arizona coverage is only for what you might do to someone else in an accident.
None of the coverage covers you.
For instance, if you are at fault in an accident the basic insurance covers the damage and medical bills of the other driver but not your own damage or medical bills.
If you want to cover your car's damage in Arizona you also have to purchase collision insurance, an option most people choose.
You might then also consider getting medical payment insurance, a type of insurance specifically designed to cover your medical expenses in addition to or in place of your regular medical insurance.
Some people also choose to get uninsured driver insurance, or negligent driver insurance to cover other types of accidents or even theft.
There are many options in Arizona from which you can choose; you should check with for provider for a full list of coverage.
The laws in AZ are also very good about covering people who use your vehicle with you permission, such as a visiting relative or a child on a learner's permit.
At the same time, you Arizona policy should cover you if you decide to drive anywhere in the United States.
Visitor's driving to Mexico should check on specific individual coverage that they will need.
However, all in all AZ auto insurance is easy to obtain and understand.
Not only does their state have some of the lowest mandatory requirements of any of the other forty nine states, but the government website is full of easy to read and understand information regarding the best way to meet these financial obligations as well as what other insurance options you may want to carry besides the state mandated minimum.
In other words, AZ auto insurance can keep you covered from A to Z.
First of all, the minimum financial liability requirements legislated by the state of Arizona are only for bodily injury and property damage.
You must carry at least fifteen thousand per person or thirty thousand per accident to cover the bodily injuries you might inflict during an accident.
You must also carry a minimum of ten thousand dollars to cover any property damage to the other guy's car or any surrounding objects like fences or mailboxes.
The rate of this basic insurance differs from carrier to carrier as well as from driver to driver, as everyone's driving record is different.
Arizona coverage is only for what you might do to someone else in an accident.
None of the coverage covers you.
For instance, if you are at fault in an accident the basic insurance covers the damage and medical bills of the other driver but not your own damage or medical bills.
If you want to cover your car's damage in Arizona you also have to purchase collision insurance, an option most people choose.
You might then also consider getting medical payment insurance, a type of insurance specifically designed to cover your medical expenses in addition to or in place of your regular medical insurance.
Some people also choose to get uninsured driver insurance, or negligent driver insurance to cover other types of accidents or even theft.
There are many options in Arizona from which you can choose; you should check with for provider for a full list of coverage.
The laws in AZ are also very good about covering people who use your vehicle with you permission, such as a visiting relative or a child on a learner's permit.
At the same time, you Arizona policy should cover you if you decide to drive anywhere in the United States.
Visitor's driving to Mexico should check on specific individual coverage that they will need.
However, all in all AZ auto insurance is easy to obtain and understand.
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