A car insurance calculator is an easy tool to use to determine the cost of auto insurance in Arizona. It uses several factors to calculate premiums, including a driver’s age, the value of their vehicle and their credit score. While the amount of coverage can increase or decrease based on these factors, it is a good idea to get a ballpark estimate of how much you will pay for coverage in Arizona.
Whether you are looking for a new policy or a renewal, getting a quote from one of the many companies in the state is essential. Depending on your circumstances, you may be able to bundle your auto insurance with your homeowner’s policy, which can help make up for the difference in rates. Some of the best companies in the state include GEICO, Allstate, Progressive and State Farm.
The cost of auto insurance in Arizona depends on the type of coverage you select. While it is required to carry liability insurance, you also have the option of carrying comprehensive and collision coverage. These add-ons can offer additional protection and can help you avoid costly deductibles.
The minimum requirements for auto insurance in Arizona require that drivers carry $25,000 in bodily injury liability coverage per person and $50,000 per accident. This level provides enough coverage for injuries that you cause to others, as well as for damage to your own vehicle. If you want to add collision and comprehensive coverage, you will pay more for the extra protection.
In order to get a better idea of how much you will pay, you can take the MoneyGeek car insurance calculator for a spin. They analyzed the factors that affect auto insurance costs in Arizona and found that some of the most important are a driver’s age and the model of their car.
Drivers who have recently been involved in an accident are more likely to have higher auto insurance premiums. Additionally, drivers who have a history of driving violations are considered high risk. Those who have recently been convicted of a DUI or have had a driving record of at least three years can expect a rate increase of $37 or more per month. Similarly, those with speeding tickets can see their monthly rates jump by as much as $64 per month.
Drivers who live in rural areas, especially those who are in an area with a lower crime rate, are typically able to find cheaper rates. However, if you live in a neighborhood where there is a lot of crime, your insurance rates may be higher than if you live in a city with a low population density.
Car insurance rates in Arizona are set by the State, and a large portion of the price of an insurance policy is based on the minimum requirements. You can save money by bundling your insurance, avoiding driving tickets, being a safe driver, and setting up an autopay. Also, you can choose from a variety of discounts nationwide. For example, you can receive paperless statements, take a drivers education course or sign up for an accident prevention program.