First-Time Auto Insurance: Where to Start

First-Time Auto Insurance: Where to Start

Steps on finding the right coverage for first-time car insurance buyers.  

Are you in the market for your first auto insurance policy? Although this is less exciting than picking out your first car, it is equally important. It is not something you want to rush into, let alone purchase the first, cheapest policy you see online.

Know your state’s minimum car insurance requirements.

If you are driving a car, you are legally required to have car insurance. Make sure you understand what Arizona’s minimum legal requirements are so that you can plan coverage accordingly. In many cases, it is wise to increase your coverage to extend beyond the minimum limits so that you are well protected. Arizona requires drivers to have at least the following coverage:

Arizona requires drivers to have car insurance that meets or exceeds the following minimum coverage levels:

  • Bodily Injury Liability Coverage: Minimum $15,000 per person / $30,000 per accident
  • Property Damage Liability Coverage: Minimum $10,000
  • Uninsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident
  • Underinsured Motorist Bodily Injury Coverage: Minimum $15,000 per person / $30,000 per accident

Shop around for quotes.

Instead of heading online and buying the first policy you see, take the time to shop around and look at different insurers. Some will be able to help you secure any additional insurance policies you may need, such as renters or health insurance. Get a couple of quotes from different insurers – and look at the coverage as well as price!

Maintain safe driving habits.

Just because you have got your license in hand does not mean you can drive recklessly. Maintain your safe driving habits – they are worth sticking to!

Staying safe on the roads means more than just driving cautiously. Auto insurance is needed for your greater protection. For your car insurance needs in Phoenix, Arizona, contact the professionals at American Premier Insurance. We are ready to get you reliable coverage.