What Are The Mandatory Insurance Requirements in Casa Grande, Arizona?

Mandatory Insurance Requirements

You’re a cautious driver and you do your best to respect the law and keep everyone in the car safe.

But accidents aren’t always your fault. There are factors you can’t control. For situations like this, car insurance helps you cover hefty medical bills and damages.

The leading cause of car accidents are alcohol consumption, texting, distracted driving, and weather issues.

According to Forbes, the average American is involved in a car accident every 19 years.

In Arizona, the car insurance policy consists of six layers of coverage. Some states require all of them. However, in Arizona only two types of coverage are needed to reach the minimum requirements: $15,000 for bodily injuries for one passenger or $30 000 for more than two and $10,000 worth of coverage in damages caused to property.

Here’s a quick look at all of the types of coverage and common car insurance problems, as well as a groundbreaking car insurance innovation.

Types of Coverage in Arizona

If you cause bodily injuries to someone in a car accident, you’re required by law to have a policy that covers at least 15,000 per person and $30,000 per car crash. In the state of Arizona if you cause damage to somebody’s property, your policy must take care of at least $10,000 in damages.

Almost all car accidents lead to damages to other cars or the driver’s vehicle. Collision insurance is very important, yet it’s not part of the minimum requirements.

There is also the option for medical bills that aren’t covered by health insurance, in case you or any passengers suffer injuries.

A comprehensive insurance covers damages to your car that weren’t caused by crashing into another vehicle. For example, these include scenarios where someone vandalizes your car or you accidently hit an animal crossing the street. This type of insurance is sometimes required if you’re using a loan to pay off a car.

Auto Insurance in Casa Grande

If you’re looking for auto insurance in Casa Grande, it’s not a bad idea to learn about what determines the price of insurance, as well as a few of the latest car insurance innovations that can give you customized solutions.

Before you will receive a quote, all of your history linked to driving and owning a vehicle will play an important role in estimating your insurance costs.

For example, your age, the type of car you drive, your driving history, and the number of years you’ve been driving are a few of the factors that will influence how much you will pay out of pocket each month.

A responsible driver that happens to be in their teens and drives an expensive sports car will pay more than someone in their 30’s who drives an inexpensive vehicle and has no history of car crashes.

One of the factors that drive down rates the most is a clean driving record. This includes no speeding tickets, collisions, or law-breaking behaviors behind the wheel.

If you’re looking for affordable premiums, you might need to speak with a specialist about it. Going by yourself and asking for quotes from insurance companies will cost you more in the long run.

Skilled insurance agents have at least 30-40 insurance companies to choose from. Plus, they have leverage when it comes to being familiar with the legislation, and they bring clients to these companies. In other words, you don’t bring as much money to these companies as insurance agents do. An agent can demand a discount, but you don’t have any grounds to do that as a one-time client.

Our Casa Grande agents can help you find out if you’re eligible for deductions as well.

Most Common Auto Insurance Problems

You may be thinking that you’re saving money by driving without insurance. But in the long-term, you’re risking fines, the suspension of your license, and a certificate that will identify you as a high-risk driver.

This will not only make you look bad in the eyes of the law, but insurance companies will raise their rates due to your status.

Driving underinsured leads to similar issues. An insurance plan that doesn’t cover the minimum requirements is one of the most common auto insurance problems, as drivers believe the consequences for this are minor.

Drivers who don’t own the car they’re driving also face penalties if they don’t have insurance. Fortunately, among the latest car insurance innovations is temporary insurance as well. You can buy car insurance even for one hour by using an online application and a debit card.

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Steve Gebhardt

Gebhardt Insurance Group was honored by AAA Insurance for being the top New Policy Agency in Arizona for 2013 and achieving the "Emerald Achievement Award."

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