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Crash course on Arizona automobile insurance

Posted on: January 21st, 2010 by admin

If you are in the process of shopping or looking to buy your first Arizona automobile insurance policy then you have found the right article. The basics of the automobile insurance policy are liability coverage and coverage for damage to your vehicle in all forms. Those are the two most expensive portions of your policy at least. In Arizona the state minimum requirements for liability coverage is 15/30/10. The 15 stands for $15,000 per person, the 30 stands for $30,000 per incident and 10 stands for $10,000 in property damage. Remember these are the bare minimum requirements that the state of Arizona requires you to carry on your Arizona automobile insurance policy to be legal. Now if you are looking for coverage on your vehicle in the event of a car crash or other damage to your vehicle then you will need to have comprehensive and collision coverage. Most people will carry $500 deductibles for both of these but do not think that since that is the average that is what you should have. If you are driving an older vehicle it may not even be worth having collision coverage (that is something to speak to your agent about). Also if you are a younger driver or have a couple of blemishes on your record it may make sense to raise your deductible to a $1,000 to save a some money (again something to speak to your agent about). The other important thing in the state of Arizona is to make sure you accept the uninsured/underinsured motorist coverage. This coverage will give you protection from those individuals without insurance or an insufficient amount of insurance. They estimate that a quarter of Arizona drivers are without insurance so this is a very important coverage to have. The last small part on your policy is medical payments. This will cover medical expense for you and your passengers in your vehicle in the event of an accident. If you have health insurance you just want to make sure it will cover you in auto related accidents. If they will then it is a good idea to have a small amount of coverage to cover deductibles for your health insurance. Otherwise, if you have no health insurance or your current provider will not cover auto related accident then you will need to figure out an appropriate dollar amount. Hopefully this will give you a starting point to understanding the basics the next time you look at your policy.

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