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Saturday, October 3, 2009

Car Insurance In Arizona - Better Coverage; Cheaper Rates

By Chimezirim Gabriel Odimba

You stand the chance of enjoying very competitive auto insurance rates while also enjoying sufficient coverage in Arizona. These could come together in one single package and it's not that one would be at the expense of the other. But then, there are a few things you need to understand about auto insurance law as obtained in Arizona....

The law stipulates that the party at fault would shoulder any damages in an auto accident. That is, your insurance company foots the bills where you are found liable in an accident.

Cheep Car Insurance

Basically, the laws provide that your auto insurance policy should cover the injured party to the tune of $15k per person up to a total of $30k in any one accident where you're at fault. In the same vein, your policy should also provide up to $10,000 worth of cover for damage to property. Having this kind of auto insurance policy would suffice by Arizona laws.

Even then, has it crossed your mind that with this kind of minimum coverage, you could still be liable in an accident that has up to $100,000 in liability costs?

In that event, your insurer's total pay out would not exceed the sum of $40,000. she also suffers the loss. The at fault party whose car is damaged repairs it all alone...and that makes it necessary for us to consider how to have sufficient coverage.

Qualitative coverage would take into account your assets and lifestyle with the intent to protect you from their loss. Although, it should be noted that the kind of coverage that is suitable for one person is not necessarily suitable for another. Coverage should, however, be upgraded from time to time to reflect your present needs. You might as well consult with a certified auto insurance agent who would help you decide on what's sufficient for you.

If you'd like cheaper rates for adequate coverage, then apply the following tips...

1. Exercise due caution as you drive. This would give you a good standing with insurers.

2. Get a smaller car. This would save you a lot in terms of rates.

3. Grab any discount that comes by way of multi-vehicle discounts by insuring all your cars with one company.

4. Don't bother with minor claims. 3 or 5 years without a single claim qualifies you for a "no claims bonus.

5. You should rather cut out comprehensive and collision coverage types if yours is an old car.

6. Be certain to fit theft-deterrent devices in your car.

7. Where you buy your home matters. There are neighborhoods that attract higher rates.

8. Get many quotes from various insurers. Going online to compare rate quotes would give you the benefits of even saving more on auto policies. - 23211

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