Arizona Auto Insurance Law

As you travel from state to state within the US, the laws pertaining to auto insurance may vary. But when it comes to Arizona auto insurance law the rules are pretty straightforward.

The most frequently asked-about Arizona laws are:

Financial Responsibility

As in all other states, in order to be legally insured to drive in Arizona you must carry the minimum in auto liability insurance. This assures that you are financially responsible in the event of an accident and is often referred to as “financial responsibility”. The minimum in Arizona is 30/15/10 which means $30,000 minimum coverage for all persons injured, $15,000 max for one individual injured, a minimum of $10,000 coverage for property damage.

Although these are the minimums, many insurance experts agree that you should carry more due to the fact that the amount of money needed to cover damages in a claim are very often more than the minimum amounts the state requires. In this case, Arizona auto insurance law falls short of the minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs recommended. Way short.

Arizona insurance law also requires that you keep proof of insurance in your vehicle at all times. That way in the event of an accident you will able to present proof that you’re financially responsible. The card issued by your insurance company is all you’ll need to keep in the car. If you’re caught without auto liability insurance you’re subject to a $250 fine.

Fault vs No Fault

Arizona law states that in the event of an accident, if you are found not at fault you’re entitled to sue the at-fault party for pain, suffering, and other costs arising out of the accident.

DUI and SR22 laws

If you’re caught driving drunk with a blood alcohol over 0.08 you will have your license suspended or revoked. In order to get it back, you must have your insurance company file an SR22 form with your local DMV. SR22 insurance is more costly because you are now considered a high risk driver. Not all insurers deal with them, so make sure your insurance company will do this for you (if they don’t, they will cancel your policy). You may also need to take a driver’s education course.

Arizona insurance law prohibits DUI plea bargaining, a process that can reduce or drop charges related to a DUI.

Seat Belt Laws

A police officer in Arizona can fine you $10 for not wearing a seat belt, but he or she can’t pull you over for that alone. There must be another infraction, and the seatbelt infraction is secondary.

Age Restrictions

For young drivers age 15 to 18, full driving privileges are granted over time in a process called graduated licensing. A learner’s permit is carried for the first 6 months. Unlike many other states, Arizona insurance law places no restriction on night driving for teens.

Older drivers have an age limit of 70 on automatic renewals.

If you think you may be paying too much for you auto insurance there are many sites where you can compare Arizona auto insurance rates. Many companies can save you as much as $1000 a year in premiums due to the competitive rates they can offer online. And when looking for additional bodily injury and property damage liability insurance from competing companies, it may not be as costly as you think.

What Can a Small Business Insurance Broker Do For You?

You probably already are an expert on many facets of running your small business. As the business owner, you have to be. Therefore, time is surely limited as you focus your energy on running the day to day operation of your company and you probably don’t have the time necessary to devote to your business insurance policy. This is the primary reason why using a small business insurance broker can be beneficial to you. (Instead of using an insurance agent.)

Unlike insurance agents, brokers are not employed by a specific insurance company. Instead, they work with several to many different insurance companies. Because of this, they are often able to negotiate better rates from each company than an agent who is employed by that company, would be able to offer. When they deal with a broker, the insurance companies know that they are in competition with every other company that the broker works with so they will offer low rates to be able to compete and gain your business.

Small business insurance brokers are extremely valuable because of the fact that there are so many different types of insurance necessary to adequately protect any company. Examples would be, but are not limited to, car insurance for company vehicles, workers compensation insurance, health coverage for employees, business contents insurance, and building coverage. A good small business insurance broker will be well versed on all types of coverage and will be able to suggest certain coverage limits and options that will provide adequate coverage without over insuring and costing you too much out of pocket. They will also be able to make sure you are meeting all legal insurance requirements as well.

Lastly, because the size of your business, and the amount of revenue it generates annually is constantly changing, a good broker can make sure that your insurance policies are up to date and providing coverage equal to your current situation.

Auto Insurance Tips – Discounted Car Insurance Policy

As a car owner, you should not wait to be forced to insure your car. Auto insurance is one move you make as a car owner that in the future you will not have cause to regret. Accidents are rapid on our roads today and this has pushed the government to legalize insurance. Now it is a crime to drive in an uninsured vehicle. In the past, insurance is not regarded as important because people are not fully informed on the meaning of car insurance and what they stand to gain insuring their cars. Thanks to the introduction of the e-mechanism. This has brought many cheap and reliable policies to our doorsteps

With this great invention, you now have choices to make provided it has to do with car insurance policy. When making a choice, it is sensible to choose a policy that will not choke you as time goes on. That is why you need to study any policy before accepting. Remember, it is not compulsory you must accept any policy if you are not satisfied with it services. If you know you are not ready, you can as well go for the temporary auto insurance policy.

This policy last for 28 days before it expires, that means you have 28days to decide on the kind of deal you are going to sign up to. With the temporary insurance you must have gotten your driving license, own a car and be ready to search for your kind of policy.

With the help of the internet, you can get an instant auto insurance deal now but to get the best you need to fill in your zip code in the auto insurance quotes provided for you in an insurance websites. It is Free.

Where To Get Trusted Providers and Compare Their Free Quotes Online?

Information Required to Get an Auto Insurance Quote

A car is something that everyone will eventually need in their lives, and there will need to be insurance for every car that will be on the road legally. Insurance is something that can be a bit of a hassle at first, especially for your first car. The documentation is something that is quite important for a person; as it will be the basis for the auto insurance quote. There are required documents that a person will need for a proper quote, and they are essentially quite basic.

Driver’s License

The company is going to make sure that you have a valid driver’s license, which is undoubtedly the most important. Why would they want to insure you if you cannot legally operate an automobile in the first place? Furthermore, this is to verify your age, name, and sex. In many states and countries, the age and sex matter to a company when they are determining your quote. Especially the factor of age, as younger drivers tends to get in more accidents than drivers with more experience.

Proof of Income

This is especially needed because the person is going to want to know how much you make in order to give an adequate quote. Basically, a person is going to want to make sure that they have their pay stubs for the current month when presenting these for a quote, as well as a running tally of what you have made for the year. This is to protect the interest of both parties, as the person who’s giving the quote will want to make sure that they are giving the insurance to a person who will be able to make all of the monthly payments.

Credit Score

The car insurance company will like to know your credit history, and this is probably one of the biggest factors. Basically, it determines how responsible you have been in the past, and if your credit score is pretty good, you will be rewarded for it. On the flip side, if it is not so good, there will more than likely be a penalty for not paying for your obligations on time.

Driving Record

This is also important, and is a huge factor in determining the accurate car insurance quote. The person who tends to get in more accidents is someone who will be a bit harder to insure, as this will cost the company money. Obviously, the person with the cleaner driving record will get the lower quote than those with one a bit more sordid.

The type of vehicle is also important when determining a car insurance quote, because if you are to get in an accident, there will more than likely be some kind of work done to the car. With that said, some parts for some vehicles can cost a lot more than others. Since the insurance company will be footing a good portion of the bill, they would like to know what they are getting into. There may be a few more pieces of information to get a car insurance quote, but these are definitely the most important.