Phoenix Car Insurance (AZ)

Phoenix car insurance rates are twelfth highest out of US states, with the average car insurance premium in Phoenix $1,055 in 2003.  Many of the 1.4 million residents of Phoenix, Arizona are not aware that their auto insurance policy prices are not set in stone and that if they shop around they may gain access to lower car insurance premiums with other companies.  Particularly in the year 2007, when car insurance rates are predicted to decrease by .5 to 1% for Phoenix drivers, it is important for drivers to compare their car insurance rate to the quotes given by other companies.

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Car Insurance Requirements in Phoenix (AZ)

Living and driving in the state of Arizona means you are insured under the Tort system.  The tort system means that someone will be found at fault for causing an accident and then that persons insurance company will pay for all damages caused.  There are minimum car insurance coverage amounts for Phoenix drivers, including $15,000 bodily injury liability per person and up to $30,000 per accident and property damage liability minimum of $10,000.  Many car insurance agents in Phoenix also provide optional personal injury protection (PIP) coverage to help pay for medical expenses for you and your passengers, although this is not required.  It is also recommended to further protect yourself with Uninsured/Underinsured motorist coverage, although it is not a state mandated part of your insurance policy.

More than 24,800 car thefts were reported from in and around the Phoenix area in 2004.  Smaller cars seem to be the most common targets of car thieves, so while they are less expensive to insure, be sure you have a safe place to park it at night.  Most commonly stolen vehicles include 1991 Honda Accord, the 1995 Honda Civic, 2004 Dodge Ram Pickup, and the 1994 Nissan Sentra.

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