Arizona auto insurance

The number of car accidents in the United States is an astronomical number. There are over 37,000 fatalities caused by auto accidents every year and another 2.35 million people who are injured or become disabled. This is more than enough reason to have a good auto insurance policy.

Arizona Auto Insurance is a mandatory insurance. This means every single person operating a motor vehicle is required by law to have auto insurance, specifically liability insurance. This law also extends to motorcycles, mopeds and even golf carts.

The minimum levels of liability are:

$15,000 for bodily injury for a single person and $30,000 for two people or more.

$10,000 for property damage.

Vehicles registered in Arizona need to be insured by a business licensed by the state of Arizona. Not only do you need to have insurance, but you must be able to provide proof of insurance whenever asked by a law enforcement officer. If you are unable to comply with the request of law enforcement agents because you don’t have insurance, you can be subject to numerous penalties such as getting your vehicle registration suspended or receiving a monetary fine.

If your vehicle or license has ben suspended, you’ll need to contact the motor vehicle department (MVD) to get your license reinstated. You will need to pay any outstanding fees at the MVD and also be able to show proof of financial responsibility. Proof of financial responsibility is more commonly known in Arizona as a SR22 form, which will be provided to you by your insurance company. Not only will you need to show your SR22 to the MVD, but you will also need to carry it with you for three years.

These are serious offenses that can lead to future problems in other states. If your insurance is suspended in Arizona, you will not be able to get a driver’s license or possibly insurance in another state until the suspension is lifted. When your accounts have been settled, your plates and registration are typically immediate reinstated. However, there are circumstance which may require up to 24 hours to reinstate your registrations.

This makes it very important to be aware of your insurance policy, any changes that may occur to that policy and when it needs to be renewed. If at any time you are unsure about the terms or conditions in your insurance policy, be sure to contact your insurer to avoid any legal mishaps.

Looking for ways to get better New York auto insurance quotes?

You would have a bit of an uphill battle on your hands if you were looking to find New York automobile owners that were excited at the prospect of paying more for their New York automobile insurance than absolutely necessary.

Unfortunately, almost all New York drivers are paying more for insurance than they should be – and many of them are unaware of this fact and keep on paying those sky high premiums.

Here are just a couple of tips and tricks to help you reduce the amount of money you spend on your auto insurance, starting off with finding the right New York auto insurance quotes from

Always research multiple New York auto insurance quotes before moving forward

You need to not only make sure that you are taking advantage of all the research tools available to you today thanks to the Internet, but that you’re also finding numerous New York auto insurance quotes from reliable and reputable businesses that you would feel comfortable moving forward with.

The more quotes you can hunt down, the lower prices you can expect to pay – as you’ll be able to use these New York auto insurance quotes as leverage points during the negotiation phase of finalizing your auto insurance contract.

This is critical leverage that you simply cannot afford to go without.

Increase your deductible to lower your monthly premiums

Secondly, you’ll want to do everything in your power to increase your deductibles as high as your budget allows.

By increasing your deductibles (even by just as much as $500) you’re going to be able to drop the cost of monthly auto insurance significantly – sometimes so significantly that you will be able to save thousands and thousands of dollars over the lifetime of your auto insurance policy.

You have to be at least a little bit crazy not to take advantage of this opportunity.

Bundle your insurance coverages together

Finally, it is always smart to try and bundle your different insurance plans together under a single roof, giving just one company your insurance business while at the same time taking advantage of all bundled discounts they have for you.

This is a quick way to save 30% or more on your monthly premiums, giving you the opportunity to dramatically reduce the amount of money you are wasting on auto insurance here in New York.