Auto Insurance Phoenix

5 Things You Didn’t Know About Auto Insurance in Phoenix

Most people in general do not know much about their auto insurance until they need to use it. Sometimes that be a very difficult time, especially if your auto insurance doesn’t cover everything or you realize it doesn’t cover what you thought it might. Everyone knows they need auto insurance in Arizona, but once you have it, do you know your minimums, what your limits are or your total coverage?

If you are not sure, here are 5 things you need to know about auto insurance in Phoenix.


  1. Auto Insurance Rates in Phoenix
    The requirements of liability are exceptionally low in Phoenix. This means that the rates are lower than than the national average. This is great news for you because it means your premium is lower than most.

    Want even better news? You can have 1 Stop Title Loans shop over 20 different insurance carriers for you to get the ultimate lowest rate for your and your vehicles. Get coverage and save big with 1 Stop.

    Why should you shop with 1 Stop? The answer is because auto insurance is very unique to every driver and every situation. Each company rates drivers differently based on your age, your zip code, make and model of your car, your driving record, etc. Instead of you calling 20 different companies to find out who truly has the best rate, we do the leg work for you. We can deliver you a quote quickly and easily. We can find budget friendly options that make sense for you and your situation.

  2. Arizona is a “fault” state
    If you have the unfortunate experience of being involved in an automobile accident in the state of Arizona, you have choices. If the accident was caused by someone else, you have the option to file a claim with your own insurance, you can file with the other driver’s insurance or you can file a personal injury lawsuit to claim compensation for damages.

    Having this choice is perfect in situations where the driver who is at fault does not have insurance. Unfortunately, this happens a lot and oftentimes attorneys get involved so victims can be made whole once again.

  3. How low is the liability in Arizona?
    As stated earlier, the liability insurance in Arizona is one of the lowest in the nation. In Arizona, you must carry a minimum of a 15/30/10 plan. This refers to the amount of coverage: you need to be insured for $15000 to cover the death or injury of the person in the accident, $30000 for more than one person and $10000 for damage to another person’s property.

    Now, keep in mind that while the automobile coverage is very affordable in Phoenix, this also means that the liability coverage alone doesn’t usually cover everything that happens after an automobile accident. This limited liability coverage will not even cover your own car if you are at fault.

    The good news is that you can increase your coverage to give you the peace of mind you are comfortable with. The rates to increase only go up minimally, so it is good to ask an insurance broker (like 1 Stop Title Loans) to give you more options than just the bare minimum.

    Remember, it is the law in Arizona to carry car insurance with any vehicle you are driving on the road.

  4. You can self insure in the state of Arizona
    Self insurance is not very popular, but it is possible in the state of Arizona to do so. The requirement to self insure in the state of Arizona is to present a $40,000 bond to the Department of Motor Vehicles. Keep in mind, cashing in this bond and thus driving without any insurance is illegal. If you get into a car wreck after cashing in your bond, you will be in serious trouble.
  5. You are not required to carry Personal Injury Protection insurance
    Arizona residents are not required to carry Personal Injury Protection insurance. You might interested in having additional insurance that would cover things like a hit and run accident or if the other drive doesn’t have insurance. While you are not forced to have Personal Injury Protection insurance, it is obviously a good idea to have it.

    You cannot guess when a drunk driver will rear end you or an insurance-less person will run a red light when you have a green one. Your best bet is to get some quotes and understand how your insurance works for you.

Bottom Line
Auto insurance in Phoenix is quite unique in that coverage levels are low and prices are reasonable. You should know exactly what your auto insurance covers so you are not

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