Phoenix Auto Insurance Basics
While most states require you to have auto insurance coverage as a driver, each state is slightly different. Auto insurance in Arizona comes with its own special rules and regulations. Making sure that you have the right amount of auto insurance for Arizona roads can help to ensure that you are properly protected while you are behind the wheel.
In Arizona, you are required to carry at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage per incident. While those are just the minimum amounts of coverage that you are required to carry, you have the option to invest in more coverage to provide extra protection.
While everyone has the same options when it comes to finding the right auto insurance policy, not everyone will have the same premiums. There are many different factors that go into determining your auto insurance premiums, including:
- The make, model, and year of your vehicle.
- Any past violations and accidents.
- The number of years you have been licensed and your age.
- Your driving history and any other drivers that are listed on your policy.
- Where you keep your car.
Even though auto insurance is required in Arizona, over 10 percent of drivers in Arizona were uninsured in 2009. Investing in uninsured or underinsured motorist coverage will provide the coverage needed to protect you in case you are involved in an accident with another driver who does not have auto insurance or does not have enough insurance protection.
For all of your auto insurance coverage needs contact the insurance professionals at Phocus Companies in Phoenix, Arizona. We will work with you to ensure that you have the right amount of coverage while driving on the Arizona roads, all at the right price.
