Affordable High Risk Car Insurance in Arizona

Affordable High Risk Car Insurance in Arizona

If you're serious about getting affordable high risk car insurance in Arizona then there are two simple things you're going to have to do.

First you need to buy the absolutely least expensive, most affordable insurance you possibly can. In Arizona the least expensive insurance you are allowed to buy and still drive 100% legally everywhere in Arizona is what is known as a 15/30/10 basic liability policy.

This is a policy that pays a maximum of $15,000 to any one individual who is injured in an accident with your vehicle. It also pays a maximum of $30,000 toward medical costs if there is more than one person in the other car. Finally it pays a maximum of $10,000 in property damage claims. Property damage typically refers to damage done to the other person's vehicle, but may include additional property.

This type of insurance, while the most affordable insurance you can buy, does have its risks. The main risk is that the low maximum payouts will not be enough to cover the actual costs of all of the medical bills or property damage that can be caused by even a moderate accident.

If there should be unpaid bills left after your basic liability policy has paid out its maximum payments, you could be held personally responsible for paying the balance due. That means you could lose your life savings and you could even be forced into selling your home.

Also keep in mind that a basic liability policy will pay NOTHING toward the repair of your vehicle and it pays NOTHING toward your medical bills or the medical bills of anyone in your vehicle.

The second thing you have to do if you are truly serious about finding the best price for your auto insurance is to buy your policy online. This is a must. Online insurance sellers don't have the same overhead as a brick and mortar insurance company and so they can pass the savings on to you.

In order to save the most money you can, it is important for you to see comparison prices from the largest number of different insurance companies that you can, and the way to do that is for you to make your price comparisons on at least 3 different sites.

But as soon as you've done that then your job is done. Simply choose the lowest price you've found and rest easy knowing that you've found the most affordable high risk car insurance in Arizona that you possibly could.

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By Alexis Jensen