In the state of Arizona, they are very concerned about keeping people safe and they require Arizona car insurance companies to offer liability insurance. Everyone who is driving in Arizona will need at least this coverage but it is possible to more from an Arizona car insurance agent. Mopeds, motorbikes and even golf carts will need to have this basic policy if they live in Arizona and hold a valid license.
Liability insurance is very basic and it only covers a limited amount. It is usually not enough for most drivers and they will add on to the policy. A liability policy will cover $10,000 for property damage and $15,000 for bodily injury. It is important to remember this will only cover the people in the other car and you will not be covered at all if you are at fault in the accident.
If you do not carry liability insurance in Arizona, you will be in danger of having your registration revoked and possibly losing your license. The Arizona car insurance company will alert the MVD that your car no longer has insurance coverage. It can be expensive to reinstate your policy and often fees will be applied before you can buy a new policy. It is never a good idea to drive anywhere with a car that does not have Arizona car insurance.
When you are looking for a good policy you will want to compare auto insurance quotes with several different companies. The prices will be different because this is a competitive business and each company has their own rates. If you see an ad that asks you to compare auto insurance quotes because they can offer lower prices, it might be true. It is a good idea to compare auto insurance quotes at least once a year. Talk with your agent and tell him you want to know if you qualify for any new discounts that the company offers because you are looking for ways to save money. Sometimes a long, safe record or having several different policies with the same company will offer a big savings.
If you are driving in one of the larger cities in Arizona, you will also want to compare auto insurance quotes because they often will have higher prices for driving in areas where there are more cars. Since insurance is run on the idea of probability, they know from statistics where the accidents are likely to happen. If you live in Phoenix, Tucson, Mesa, Chandler or Glendale you will want to make sure you have the best insurance possible. Check with you agent and he will be glad to review your policy with you and make sure you have the best coverage possible.