Arizona Auto Insurance

Like other states in US, Arizona too have financial responsibility law that means if you have been involved with a car accident, the concerned office may ask you to show the insurance proof. It's the liability coverage which will cover the damages that has been caused due to the accident. In order to meet the requirements of such law most of the drivers in the state wish to buy Arizona auto insurance. Before you by auto insurance in Arizona, it's always better to know few questions and answers that may come into act while shopping for it.

Arizona liability limits

What sort of automobile liability insurance that you require as per the laws related to Arizona car insurance?

As per the laws of car insurance in Arizona, the drivers in the state will require two different types of liability such as:

• Bodily injury liability
• Property damage liability

What the limits for minimum liability? 

As per the laws of Arizona auto insurance, a driver needs to have minimum liability coverage for bodily injury $15,000 per person and $30,000 per accident. It's the minimal liability coverage amount for property damage which is $10,000. This sort of liability coverage amount has been added for the policy in the form known as the 15/30/10.

Arizona state requirements

Different state use to have different regulations for operating the automobile category in a smooth way. For Arizona, separate law sets have been prepared which also includes several sorts of requirements such as:

• Licensing of the car
• Proof of the financial ability to drive the car
• Auto insurance coverage

Failing to drive the car without Arizona car insurance will be considered as if you are driving an unregistered car in the state. With addition to that if you have been caught without the proof of insurance, and then you may come across the fine amount which may vary from $250 to $750. Under such circumstances you may lose your license and car registration. There are also chances for you to get involved with the court cases if you are involved in a car accident. Before you drive the car in Arizona, it's always advisable for you to look at the state directives and pay more importance to it. It's the bodily injury coverage that assist you in getting coverage against the cost that is required to treat injuries and funeral costs if you have been found faulty for the accident. At the same time, it's the liability coverage for the property damages will cover you against the damages that have been occurred with the properties due to the accident. However, in most of the case it will not cover the injuries and the property damages occurred with you. If you are driving car in Arizona State, then you should not stay content while having this state requirement for minimum coverage. You are also required to get coverage for yourself and you will definitely not get this sort of facility with the minimum coverage. In this regard, you need to ask the insurance agent to come up with a better Arizona auto insurance policy that can offer you more coverage.

Arizona Auto Insurance

How to get the cheap auto insurance policy?

There are so many drivers in the Arizona state who want to get more coverage but they are really concerned about the cost. In order to get rid of this problem, you need to know the ways for drawing an affordable Arizona auto insurance policy. The first thing you need to do is that compare different car insurance policies and get different quotes from different insurance companies. As soon as you will compare these quotes, you will be able to get the cheaper policy. The next thing that drivers in Arizona can take advantage of is the discount. There are numbers of discounts you will get while having the car insurance policy in Arizona. This is also a great way to save more money. Some of these discounts are:

• Low mileage discount
• Quality driving discount
• No claim discount
• Multiple policy discounts
• Safety discount
• Security discount

When you need to exhibit the proof of insurance?

You will have 30 days after the registration to show the proof of insurance. If you are coming across an accident, then you will need to show the proof of insurance instantly to the concerned officer. As per the state laws, you need to carry the insurance proof whenever you are driving the car. In most of the cases the insurance card offered by the concerned insurance company will be suffice to show as the proof of insurance. It's your insurance company which will verify the validity of your policy. As per the Arizona state law it is mandatory. If you have had an accident or you have been arrested due for breaking the road rules, then your company will have the responsibility to verify the insurance policy. The insurance company is also required to inform the Arizona Department of Motor Vehicle if you have cancelled the policy in the past. The insurance company will also inform the concerned department about the policy if that has not been renewed. And as per the Arizona Computer Data Law, the company will also have to submit the entire list of their policies that will be considered by the state to compare with the registrations.

It's the liability insurance law in Arizona that have been based on the Tort system. That means if a driver has been involved with an accident which has not occurred due to his fault, then he will have the rights to sue the other party for injuries, damages and medical costs.

Arizona DUI laws

What is the blood alcohol content limit for the state of Arizona?

It's the BAC limit that has been fixed for the state of Arizona is .08. As per the Arizona DUI law, if you are driving the car while having the BAC limit more than .08, then you may come across on spot driver license revocation. Your license may get suspended. If you will refuse to go for the BAC test, then also your license will be considered as suspended.

What about implied consent law?

Like other states, for Arizona the implied consent law has been prepared. This sort of law often denotes that the driver will drive the car on the highways and streets of Arizona after giving his or her consent for the BAC, urine test and drug level checks.

What will be penalty for violating the above law?

If you will violate the implied consent law, then you're driving privileges will be revoked or suspended.

What about the preliminary breathing test?

As per the Arizona auto insurance law, sometime the concerned office may ask you to go through a breathalyzer test. This sort of test may be conducted by the office to determine whether or not you are driving under influence. There will be machine to take the test. If the machine will supply positive results, then you will have to move for the police station where you will need to attend the BAC test.