Read through this Arizona car insurance company review to find the Arizona auto insurance company that is best for you!
In Arizona, there are many different Arizona car insurance companies offering a variety of policies, discounts, and options for residents. Arizona car insurance rates are about 12% higher than the national average; although, rates have shown some declined over the last several months. Because of this, now is a great time to see if your current policy is still the best option or to find a great rate if you are looking for Arizona car insurance for the first time.
All you have to do to compare multiple Arizona auto insurance companies online is just enter your zip above and you are on your way to comparing free quotes on Arizona car insurance!
Requirements
The first things you need to know when shopping for Arizona car insurance are the requirements. Arizona is a tort state, rather than a no-fault state. This means that when individuals are involved in a car accident, someone must be found at fault. Typically, law enforcement officers will asses the accident sight, interview witnesses, and take statements to determine who is at fault.
Once fault is determined, the person at fault files a claim with their insurance company. The company covers damage for both the person at fault and those they caused damage to. That is why it is vital to carry the right amount of car insurance. Being found at fault in a car accident without insurance can lead to loss of your vehicle, lose of your license, possible jail time, and fines.
Arizona law requires all those with an Arizona state driver’s license to carry Bodily Injury Liability and Property Damage Liability cover in the amounts of $15,000 and$30,000 (per person and accident) and $10,000 respectively. Since almost 20% of accidents in Arizona involve an uninsured individual, you may want to add additional Uninsured Motorist or other coverage along with the minimum requirements.
Comparing AZ Auto Insurers
Once you know the requirements, you want to choose a company that is reliable and able to fulfill their obligation to you. One way to do this is to check if a company is licensed with the Arizona Department of Insurance. The ADI requires any company that wishes to sell insurance in the state to be licensed with the state.
To be licensed, a company must meet certain requirements set by the state. This is to stop potential fraud from taking place. Arizona classifies insurance fraud as a crime. It is one of the few states that has its own fraud bureau to help protect its citizens. When you go with a company that is licensed with the state you are able to file a complaint, if needed, with the fraud bureau.
Another way to check a company is to go to their website and look around. A company that is working for its clients will have all necessary information prominently displayed. There will be easy to find contact information and an easy to follow site map. When you have a claim to file, the last thing you want is a company that is hard to get in direct contact with.
You can also research the financial rating of a company online or through in independent rating company. You can search for complaints filed against a company and see how the complaints were settled. Also, you can ask friends and family members to recommend a company to you. If other customers are satisfied, chances are you will be satisfied as well.
Top 5 Arizona Car Insurance Companies
Arizona has many local and national insurance companies that offer top rate service and coverage. The top five companies in the state are based on the number of customers gained in the calendar year. The top five companies in the state of Arizona are: Farmers Insurance Group, Allstate, Liberty Mutual, Nationwide, and GEICO.
Each of these top five companies are national companies. National companies such as these have quick claim service, good customer service, and easy to navigate websites. Another benefit of national companies is that they often have on-site people who can come to an accident and evaluated damage and needs as well as assist with the filing of a claim.
However, there are many other companies to choose from as well. A great way to decide what company is right for you is to compare. Find an online rate quote device that will let you get quotes from a whole bunch of providers at once like our tool at the top of the page. Seeing quotes side by side will give you with the information needed to decide what Arizona car insurance company best fits your insurance needs and budget.