Cheap Auto Insurance in Arizona

Many drivers in Arizona pay a lot more for their auto insurance than they have to. If you're looking for super cheap auto insurance then keep reading because I'm going to reveal not only the cheapest auto insurance available here in Arizona, but I'll also tell you how you can get this low-cost insurance at an even LOWER rate than most other people.

Every state offers its citizens a cheap form of car insurance known as a basic liability policy. Every state determines the lowest amount of coverage that is allowable for its citizens to purchase and still drive 100% legally. Here in Arizona the cheapest auto insurance you are legally allowed to buy is what is called a 15/30/10 basic liability policy.

This policy has a top payout of $15,000 for the medical expenses of any one individual who is hurt in an accident with your vehicle. It has a maximum payout of $30,000 to pay the medical bills of everyone who is hurt in the same accident with your vehicle and it pays a maximum of $10,000 to pay for any property damage your vehicle caused in an accident. Property damage typically refers to the repair of the other person's vehicle after an accident, but it can also include other property that was damaged.

There are some risks in buying a basic liability policy. It is very possible that in even a moderately-sized accident there could be medical bills exceeding $15,000 for an individual and medical costs considerably in excess of $30,000 for everyone involved in an accident. Also, some modern vehicles can hardly have a fender replaced for $10,000, let alone have any sort of major repairs for that price.

What does that mean for you? It means that it is possible for you to buy a basic liability policy and still be on the hook for a considerable amount of unpaid medical bills and/or unpaid property damage claims. If that were to happen you could be forced to spend your entire life savings to pay those unpaid bills, and it is even possible that you could be forced to sell your home to pay for them.

Also, a basic liability policy doesn't pay anything for your medical bills or for the medical needs of anyone who is in your vehicle at the time of an accident. A liability policy also pays ZERO toward the repair of your vehicle following an accident.

No matter what type of auto insurance you need, however, you can save even more on it if you purchase your policy online. And you can save even more when you purchase your policy online if you compare prices on more than one of the websites that encourage you to compare auto insurance prices in Arizona.

Once you've made all of your online price comparisons, all you have to do is to pick the lowest price you've found and you've done it - you've saved as much money as you possibly can on your auto insurance each and every month.

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