Shade in the Valley of the Sun: Phoenix Insurance

Hitting the links for 18 holes sounds like a good idea in theory-until you step outside in 110-degree heat. And yet, the sweltering temperatures haven't scared away too many people; Las Vegas is the only metropolitan area to grow faster than Phoenix in recent years. This a testament to your city, but what does it mean specifically for you? More traffic, for one. In such a bustling area, it's imperative that you have adequate coverage against dangers on the road. Phoenix insurance is your umbrella, pair of shades, and a portable fan all in one. Whether it's careless drivers or burglars in your neighborhood, great insurance coverage protects the sunny life you love. By comparing Phoenix insurance quotes, you can find the right coverage at a great price.

Car Insurance Is the Law

Phoenix ranks near the top of the country in car thefts per 100,000 people, and that's only a secondary reason to buy an Arizona car insurance policy. According to Arizona law, every driver must have a minimum of $15,000 bodily injury liability for one person, $30,000 for two or more persons, and $10,000 of property damage liability. Without proof of these minimum coverages, you can face suspension of your vehicle registration and driver's license. In addition, a lapse in coverage usually adds at least $200 to your Phoenix insurance quotes the next time.

Safety First

There are a number of ways to lower Phoenix insurance quotes, and car safety is a great place to start. You can save money with a car alarm, since your odds of theft will automatically decrease. More importantly, you need to show potential insurers that you're a safe driver. A 40-year-old woman in Phoenix who drives a 2008 Volvo XC70 to work every day will pay around $1,368 for an annual premium. That assumes a modicum of safety. Just a single speeding ticket three months before will raise the price to about $1,700 (in addition to the price of the ticket).

Be Dependable

But it's not all bad news. Your profile affects Phoenix insurance quotes, and you can put yourself into a low-risk category with smart choices. By maintaining a good credit score, you receive lower premiums. If you get a promotion, or increase your education level, then shopping for better Phoenix insurance quotes is definitely worth your while. You can also save money by adding a spouse to your policy. For example, the same woman paying $1,368 for her premium decides to add her husband, who drives a 2006 Mitsubishi Galant. The annual cost jumps to just over $2,000 total-saving her more than $300 per driver. Similarly, combining an auto policy with home insurance often saves several hundred dollars.

Home on the Range

Maybe your house is safe from fast-flying golf balls, but you should still consider purchasing a better home insurance policy. In addition to saving money by combining policies, you can protect your home against common dangers to lower Phoenix insurance quotes. Arizona home insurance annual premiums average $508. You can do better. Your home is rated by insurers on fire protection; the closer you are to the nearest fire department, the better your rate. But if you add smoke alarms and one fire extinguisher per floor (minimum), you can lower your cost to around $433. Deadbolt locks, window locks, and a burglar alarm generally save up to 10% more. As you can see, there are many ways to save. To see who most values your profile, shop around. Let act as your personal Steve Nash and assist your Arizona insurance quote comparison shopping. Like a Suns player getting an easy basket, you'll find it's pretty easy to save money.