Arizona there are only two things you have to know.
First you need to know about Arizona's low-cost basic liability
policy. This policy is the cheapest insurance you can possibly
buy in Arizona and still drive 100% legally.
Each state sets its own minimum limits when it comes to its
approved basic liability policy. In Arizona the lowest pay-out
limits you can buy are 15/30/10. What this means is that if you
are at fault in an accident your liability insurance will pay a
maximum of $15,000 in medical claims to any one individual who
is injured and your insurance will pay a maximum of $30,000 if
two or more people are injured, regardless of the total number
of people injured or the extent of their injuries. Your
liability insurance will also pay a maximum of $10,000 for any
property damage you cause. This includes the cost of repairing
the other person's car.
One of the things you need to be aware of if you are going to
purchase a minimum liability policy is that the maximum amounts
that the insurance pays may not be enough to cover all of the
medical or property damage bills in even a moderate-sized
accident. If your basic liability policy doesn't cover the full
costs of the accident YOU could be forced to pay the difference.
This means it's possible for you to have insurance yet still
lose your savings account or even be forced into selling your
home.
The other thing you need to be aware of is that a basic
liability policy doesn't cover YOU at all. In other words it
won't pay a penny for the repair of your vehicle and it won't
pay a penny for your medical bills or for the medical bills of
any passengers in your vehicle.
The second thing you have to know if you're serious about
finding the cheapest car insurance in Arizona is that the best
place to find your insurance - whether it's a basic liability
policy, a full-coverage policy or something in between - is
online.
Online insurance sellers have very few expenses and virtually
no overhead so they are able to offer their insurance at far
less cost than their brick and mortar cousins.
One trick to finding the very best price online is to make
price comparisons on several different websites that are
designed to compare the prices from different insurance
companies. Don't rely on just one site since each site only
compares a small handful of insurance companies.
Once you've looked at prices on at least 3 different price
comparison websites then simply choose the lowest price you've
found and you're done!
This policy pays out a maximum of $20,000 in medical payments
to any one individual who is hurt by an accident with your
vehicle. It pays a maximum of $40,000 in medical payments to
everyone who is hurt in the same accident with your vehicle and
it pays a maximum of $10,000 in property damage. A basic
liability policy pays NOTHING for the repair of your car and it
pays NOTHING for your medical bills or for the medical bills of
anyone in your vehicle at the time of an accident.
Whether you decide on a basic liability policy or whether you
decide on full coverage car insurance or on something in
between, you will save even more if you buy your insurance
online. Just be sure to look at the prices from at least 3
different car insurance price comparison websites if you want to
be sure that you are seeing as many different prices as
possible.
But as soon as you've compared prices on at least 3 different
websites then all you have to do is to pick the lowest price
you've found and you've done it! You've found the most
affordable high risk car insurance in Arizona.
About The Author: I recommend http://www.ezquoteguide.com for
cheap insurance
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