making your choice.
Mandatory Liability Coverage and the Arizona Car Insurance Rate
The most important type of coverage to carry is the one that is state-mandated. In Arizona, you must carry both bodily injury and property damage liability coverage in at least the following limits:
- $15,000 Bodily Injury per person
- $30,000 Bodily Injury in total per accident
- $10,000 Property Damage per accident
These limits are extremely low and would be inadequate in most serious accidents, putting the person at fault at risk of being sued. Therefore in order to protect yourself and your assets, consider only an Arizona car insurance rate including higher limits of liability. Recommended limits are $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage coverage.
Uninsured Motorist Coverage and Your Car Insurance Rate
Uninsured Motorist coverage, while not being mandatory coverage, is still a highly recommended form of coverage for those looking for a good Arizona car insurance rate. With an estimated 11.9% of motorists being uninsured in the state in 2009, not the highest rate but certainly not the lowest, this type of coverage is a good choice.
The "Optional" Coverage Every Arizona Car Insurance Rate Should Include
In 2009, Arizona was in the top 7 states with the most vehicle thefts, with 25,986 vehicles being stolen. This is very significant considering the fact that the other states with highly numbers of car thefts are all significantly larger in terms of population than Arizona. In fact, the state closest in number of car thefts, Illinois, has almost double the inhabitants of Arizona. What this means for those looking for car insurance is that Arizona is very high risk for car theft. Therefore every Arizona car insurance rate should include comprehensive coverage if the owner can not afford to replace the car easily.
Other Coverage To Consider for a Car Insurance Rate
Even though state required coverage does not extend past liability coverage, it is important to give thought to the other types of coverage that exist when looking for an Arizona car insurance rate. Collision coverage is often paired with comprehensive coverage and sold as "full coverage". In fact, both collision and comprehensive are required by lenders to be carried on financed vehicles as they provide protection for the car itself. You may also want to consider towing and labor, as well as car rental coverage, to round out your full coverage policy.
Prior to choosing the Arizona car insurance rate that is best for you, compare and contrast the offerings of a variety of companies. By doing so, you will be sure to get the coverage that best fits exactly what you need. Get custom car insurance quotes now!
