How To Save Money and Get Discount Automobile Insurance in Arizona
Arizona residents must maintain adequate insurance on vehicles registered in the state. The state minimum requirement is R15,000 per person / $ 30,000 per accident for Bodily Injury and $ 10,000 per accident for Property Damage.
The internet has made is much easier to shop around for the best prices. Before deciding which company to use, visit the Arizona Department of Insurance website to make sure the company you are using is licensed to do business in the state. Once that is done, you're free to provide the appropriate information to obtain a quote.
Here are tips on getting the best auto insurance rate:
1. Shop around :. There are general rules that apply when underwriting automobile insurance coverage however; each company may issue credits a little differently. Some may offer a larger credit for having taken a safe driver course, where others may give a better rate for having a clean driving record, so it's best to shop around.
2. Be honest: Arizona insurers are entitled to a 60-day discovery period so do not lie on your application. This failure can be for any non-demographic reason. That means if you have poor credit, or lied about your loss history the insurance company can terminate your coverage within 60 days.
3. Know your credit. Arizona insurance companies may use your credit profile as a factor in determining premium. Contact the credit bureaus for your free copy of your report, fix anything that needs to be fixed and maintain a positive credit profile to help reduce your insurance premiums. Statistically insurance companies have found policyholders with positive credit profiles are less likely to file claims than their less than creditworthy counterparts and they charge accordingly.
4. Although you may be seeking insurance coverage by submitting an online application, make sure to talk to a live representative from the company. If there is something in your credit or your loss history that requires explaining, talk to an agent. You stand a better chance of soliciting a premium discount.
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