By Francis William.

If you have been involved in an auto accident in which you were convicted of driving under the influence or if you failed to show insurance to cover your liability in the accident you will need to show proof of financial responsibility to the Arizona Motor Vehicles Department in order to register your car.

Your Arizona Auto Insurance company will file a sr22 form with the MVD and in doing so agrees to notify them if your policy is cancelled by you or them. When you fail to have your insurance on file you will lose your vehicle registration and car tags.Arizona Auto Insurance law does not set the rates for your sr22 covered insurance. This is an agreement between you and your insurance company.

As with any other consumer item it often pays to shop around for the best rates. There many insurance companies that are permitted to sell insurance in Arizona. it is a very competitive market and rates change from time to time depending upon the competition. Shop for your best sr22 rate before you buy your first one and then shop around each time your policy is coming up for renewal.

Do not be lulled into just renewing your policy each year without checking.

franciswilliam@arizonaautoinsurance247.com

By Francis William.

If you are going to drive your car in Arizona you will need to have Arizona Auto Insurance. It is the law.

From that point on,  what you pay for your insurance is up to the insurance company you choose.  Insurance companies set their rates so that they can cover the cost of accidents that can reasonably be predicted and make a profit in doing so.  They pay a lot of attention to the statistics surrounding accidents including who has the most,  the sex of the drivers,  the age of the drivers, and where the drivers live to name a few.

These figures demonstrate over and over again that females have fewer accidents and when they do,  the claims are much less than their male counterparts.  Part of the reason for this is that in the past males have driven more miles than the females and have had more of a tendency to take greater risks.  Males also had a greater propensity for getting tickets for moving violations.

As long as the Arizona Auto Insurance companies are still seeing this trend in drivers they will continue to give the lower premiums to female drivers when they take out automotive insurance.

franciswilliam@arizonaautoinsurance247.com

Question?

Hi,

My friend is complaining because he has to buy SR 22 AutoInsurance.  What is it and why does he have to buy it?

Darren,  (Tucson)

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Hi Darrren,
It is not SR 22 Auto Insurance.  The SR 22 form has to be submitted to the Motor Vehicles Department to show proof that the holder actually has Arizona Auto Insurance to cover liability in case of an accident.

In many cases the person having to have their insurance verified by the SR 22 form has been convicted of driving under the influence or was found at fault in an accident for which they did not have the ability to pay for their liability.

Your friend is only telling you part of the story

Francis.

By Francis William.

When it comes time for the rite of passage to move into the area of a licensed driver the State of Arizona has a lot to say about it.

They establish the age at which it can happen and they establish the level or responsibility that the new driver must demonstrate in order to register the car.  In other words,  the amount of Arizona Auto Insurance that a new driver must carry is established by law to be 15/30/10.

Driving without this minimum amount of insurance can result in a loss of driving privileges and a heavy fine for the first offense. Insurance companies look at the accident statistics for young drivers when they set the rates for Arizona Auto Insurance.

It is an established fact that drivers under the age of twenty five have less experience, take more risks,  and have more accidents than those over twenty five.  While married drivers under the age of twenty five tend to have fewer accidents and therefore get lower insurance rates most people will advise against getting married to save on insurance.  It is far better to get the young driver discounts for good driving records and for having completed the drivers educations courses.

franciswilliam@arizonaautoinsurance247.com

By Francis William.

Arizona has become a Mecca for senior citizens.   While some have chosen to move here on a permanent basis,  others flock to the state as members of the snow bird covey.  No matter the age or the home of residence if they intend to drive in the state they must meet the requirements as established by Arizona Auto Insurance law.

In some cases this may be more of a challenge than in others because while drivers in the 55 to 65 year old group tend to have the fewest accidents,  once they reach 65 the accident rate starts to go up again.

A senior driver when applying for Arizona Auto Insurance has the option of looking for discounts as does any other driver.  One of the biggest discounts available for seniors is the one offered for taking the refresher drivers course.  It is designed to refresh or acquaint the seniors with current laws pertaining to driving.  It also updates seniors on some of the latest safety features available on newer cars.

By knowing what these are and requesting them on the next car they purchase they can potentially save hundreds of dollars on their insurance.  Another option is to provide proof of health to the insurance agent and request a discount for good health.

franciswilliam@arizonaautoinsurance247.com

By Francis William.

Are you coming to the end of your Arizona auto insurance coverage policy?

Many people are and it’s not surprising they are finding it more and more expensive every year to spend extra money on their auto insurance, when with a little time and effort they could significantly reduce their premiums.

1.  Be a good Driver and maintain a good driving record.

2.  Become a Safer Driver by attending a resident’s course in Defensive Driving.

Many insurance providers offer a discount on the successful completion of an approved course. So check to see if your one does.

For more information about these courses in Arizona contact:-

The Arizona National Safety Council.

Customer Service Phone number:  1-602-222-3360

Customer Service Address:            1606 W Indian School Road, Phoenix, AZ 85015

Technical Support and Instructor Phone number:   1-602-326-9620

Technical Support and Instructor Email address:    box20@acnsc.org

Support Available: 8:00 AM PST – 9:00 PM PST (except major holidays)

3.  Increase the Deductible on your vehicle and by doing so lower your premium.

Check the levels with your provider first to see what you could save then select which one you can afford to live with. If you are using a lending company to finance your car you will need physical damage coverage in Arizona.

4.  Review your coverage and cancel anything that is unnecessary, but make sure you still have the state’s minimum requirements covered on your policy. As far as coverage for Arizona drivers are concerned, all drivers are expected to carry a minimum amount of liability insurance before their cars can be registered. The current state minimum for Arizona is $15,000 for the death or injury of any one person and $30,000 for multiple death or injuries per accident. Also despite who is at fault all drivers are expected to have a minimum of $10,000 property damage insurance for each accident to protect their vehicle and cover all damages.

5.  Choose your vehicle carefully and only drive vehicles which have good safety features built into them like airbags and curtains, automatic seat belts, anti-lock brakes and anti theft systems. It may surprise you but Insurers really prefer family type vehicles and therefore reward the policy holder more favorably.

6.  Increase your Credit Score. It may sound strange but by reducing the number of credit cards you have and then reducing the individual charged amounts on each card will help with your overall rating. Of course it goes without saying that by paying all your bills on time helps immensely.

7.  Never let your auto insurance coverage lapse, because when at last you do seek coverage any lapse will unfortunately create a penalty against you.

8.  Always ask for a discount. You just do not know until you ask. For instance you may have a teenager on your auto policy and if he or she is deemed to be a good student and maintains grades of ‘B’ or better you could get a premium discount.

9.  Getting the best auto insurance in Arizona is comparatively easy. By simply visiting an insurance comparison website entering your ‘Zip Code’, clicking on the ‘GO’ button and within a matter of minutes you can get quotes from a number of companies and choose the cheapest insurance suitable for you.
You will be surprised how easy it is.

10.  With the money you save on these reductions why not put it into a savings account and use it towards reducing your deductible next year.

franciswilliam@arizonaautoinsurance247.com