With a number of state laws and regulations to abide by, and a host of insurance concerns that are unique to the Copper State, getting lost in the side canyons and arroyos of insurance in Arizona can be as perilous for your pocketbook as wandering into the desert unprepared can be to your chances of survival. Take auto insurance, for example. With average premiums of $873 per year according to the Insurance Information Institute, Arizona ranks as the 14th most expensive state in the Union, and those rates are tame compared to the $2,500+ premiums that some providers charge according to data compiled by the Arizona Department of Insurance. On the other hand, if you hop on the right burro when it comes to exploring Arizona insurance quotes, the view can be as pretty as anything you'll find along the South Rim of the Grand Canyon. Case in point: Arizona homeowner's insurance rates rank 4thcheapest in the country, logging in at $499 per annum according to recent studies by the NAIC (National Association of Insurance Commissioners).
Getting Your Bearings: The Key to Arizona Insurance Survival
In order to successfully navigate an insurance world that's as unforgiving as the Sonoran Desert, the most important place to start is to understand the terrain. Here's what you need to know to be in-the-know when it comes to getting Arizona insurance quotes that work for you.
- Arizona automobile insurance -- When it comes to Arizona car insurance, the most important thing to know is that Arizona is what is referred to as a Tort State in the insurance biz. Basically, that means that you're required by law to carry minimum amounts of Bodily Liability and Property Damage coverage if you drive a vehicle on Arizona roads. How much? Arizona law states that you must carry Bodily Liability Coverage in the amount of $15,000/$30,000, and Property Damage Coverage to the tune of $10,000. Failure to do so can result in the suspension of your driver's license and auto registration. And if that isn't enough to get your attention, keep in mind that the state of Arizona has made a point of ensuring that it costs a pretty penny to get your license and registration reinstated if you hope to get back on the road.
- Homeowner's Insurance in Arizona -- Homeowner's insurance is the bright light in a glaring Arizona insurance sky. As mentioned before, with an annual average of $499 per year, Arizonans enjoy better rates than 92% of the country. On the other hand, acquiring home insurance in Arizona isn't a rubber stamp affair, either. The Arizona Department of Insurance estimates that Arizonans are underinsured by 18% on average when it comes to homeowners insurance, a frightening statistic in a state where the threat of wildfire is a serious and constant danger, and where the monsoon season brings an annual deluge of lightning, high winds, and torrential downpours. Favorable rates aside, residents of Arizona need to think twice about skimping on home insurance when it comes to protecting the property and possessions they value.
- Other Insurance Needs in Arizona -- While auto and home insurance fill the needs of most Arizonans looking for quality Arizona insurance quotes, they're certainly not the only ones. Business owners, whether they just opened their doors or have been a staple in the community, should protect their investment with business insurance - and with NetQuote, it takes just a few minutes to learn what you need and get quotes. As a Mecca for retirees (close to 10% of the population is over the age of 60, well above the national average), life insurance can be a pressing concern for Arizona residents. And where health insurance is concerned, Arizona is no different than the rest of the country. With the exception of those who qualify for Arizona's Health Care Containment System (AHCCCS) and the State Health Insurance Assistance Program (SHIP), finding quality health care coverage at reasonable rates can feel a lot like descending into the Grand Canyon without a guide. Fortunately, there are some proven tactics to help you get your bearings and find the best rates possible for you and yours.
The Trick to Finding Affordable Arizona Insurance Quotes
Regardless of your insurance needs, the secret to finding fair and reasonable rates for insurance in Arizona is surprisingly simple: do your research and search out as many quotes on potential policies as possible. It might sound like heading down the Colorado River in an inner tube, but the truth of the matter is that shopping around is the only way to ensure that you're getting the best coverage, the best service, and the best rates on insurance. Whether you choose to do the work on your own, or use a company like NetQuote .com to solicit reliable Arizona insurance quotes for you, casting a wide net allows you to find the best possible rates, helps you weed out suspiciously high and low offers so that you can avoid becoming the victim of insurance fraud, and it affords you the option of playing the quotes of competing providers against each other to obtain even lower premiums. Finally, and most importantly, by talking to a number of insurance providers you can pick and choose when it comes to finding an insurance agent that has your best interests at heart - potentially the most important factor when it comes to understanding and selecting the best insurance coverages for your individual insurance needs.
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