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Friday, April 10, 2009

Car Insurance In Arizona

By Jean J. Tusi

Anyone wishing to own and drive a car in Arizona would be well-advised to carry car insurance coverage at all times. Even those who drive but don't own a car is required to get a Non-owner's car insurance policy. If you caught driving, or manage to cause a car accident, without proper car insurance in Arizona, you could be facing some very expensive penalties, suspension of one's driver's license, and could definitely make your car insurance premiums higher.

Like most states, Arizona also has financial responsibility laws requiring every driver to be financially capable of compensating any third-party they happen to injure, including damages to properties, in a car accident. You will need liability insurance (e.g. car insurance) to comply with these laws, and the state has some specific requirements as to how much you should buy: $15,000 liability insurance to cover any individual you injure, $30,000 for all injured individuals during the accident, and an additional $10,000 that goes to property loss or damage.

It is very wise to purchase as much liability insurance as you can afford, since you can easily be sued for damages and injuries far surpassing the state minimum requirements. Take note of this when shopping for the best car insurance in Arizona. A car insurance agent or broker have traditionally been the go-to-person, however results aren't always to your advantage and this could be time-consuming.

This is why it's highly recommended that you shop for the best car insurance in Arizona online. There are plenty of dedicated car insurance websites and portals that allow anyone access to the latest car insurance rates free of charge! With these, you can easily get a wider selection of providers to choose from, increasing your chances of getting the best car insurance policy available.

You should also leverage a great driving record to get cheaper car insurance rates. Knowing what discounts you're eligible for is also a must. A safer and more responsible driver gets to enjoy the best car insurance rates for a long-time. - 23211

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