Using an Arizona car insurance calculator is a great way to get an idea of how much you can expect to pay for insurance. There are many factors that are taken into account when insurance companies calculate premiums. Some of the most important factors include the age of the driver, the type of car they drive, their driving history, and the area in which they live. However, the best way to find out which companies offer the best rates is to compare auto insurance quotes.
The minimum required liability car insurance in Arizona costs $46 per month. However, that amount of insurance does not cover additional damages that may occur in an accident. This may include injuries to other people as well as medical expenses for the driver. Adding bodily injury and property damage coverage is a good idea to cover these expenses. In addition, uninsured motorist coverage is optional. Adding this coverage will help you cover the costs of medical expenses if an uninsured driver is at fault in an accident.
A full coverage car insurance policy with a $500 deductible costs $72 per month. However, if you have a low-value vehicle, it may be cheaper to have a policy that does not require a deductible. Similarly, if your car is very old, you should purchase a policy that only covers collision.
In addition to the minimum car insurance requirements in Arizona, drivers can also choose to buy uninsured motorist coverage. If you are involved in an accident, you can file a claim against the at-fault driver’s insurance company for their injuries and property damage.
Adding a teen driver to your policy is also a good idea. Teens are more likely to get into accidents than older drivers. However, if you have a good credit score and are driving a safe car, you can often qualify for lower premiums. Another way to save money on car insurance is to make sure you are receiving paperless statements, setting up autopay, and taking drivers education classes. If you live in an area where there is low traffic, you may also be able to find some of the cheapest rates.
It is also a good idea to purchase an auto insurance policy with a deductible. Typically, the deductible is higher if the policy is comprehensive. Insurers will consider the cost of repairs to your car before calculating your premium. However, a safety glass non-deductible option applies to your windshield as well as some glass materials.
If you are a young driver, you can also save by purchasing a policy from a company that offers student discounts. The cheapest car insurance companies in Arizona include State Farm and Geico. Travelers is also one of the best options for young drivers, offering the cheapest rates in the state.
Another good idea is to purchase a full coverage policy, which is a combination of collision and comprehensive insurance. These levels of insurance cover damages to your car and injuries to other people. However, if your car is expensive or rare, you may not want to get full coverage insurance.