For your car insurance in Phoenix: The State of Arizona requires mandatory car insurance for driving on Arizona roadways. Arizona requires all drivers to carry compulsory liability limits of at least $15,000 per person bodily injury, $30,000 total for bodily injury and $10,000 for property damage liability.
This is the minimum to drive legally in all of Arizona, including Phoenix. This coverage only serves to protect drivers you may hit in the event of an accident--these mandatory coverages do nothing to repair your car, regardless of fault.
Additional coverages can be purchased from your insurance company to repair your vehicle in the event of an accident--regardless of fault.
Comprehensive coverage pays for losses to your vehicle in the event of fire, theft, vandalism and anything else that is NOT part of an accident.
Collision coverage pays for losses to your vehicle in the event of an accident. Collision coverage does not pay for repairs resulting from vandalism, Comprehensive coverage pays for that.
Purchasing an insurance policy with both the mandatory liability limits required by Arizona law and Comprehensive and Collision coverage is customarily known as "full coverage" insurance.
Be prepared that Comprehensive and Collision coverages both carry a deductible clause that the insured must pay out of pocket before the insurance company pays for the complete repairs.
Factors that affect your auto insurance rate may include: Replacement cost of the vehicle, driving record, city, county or even zip code that the vehicle is customarily garaged (parked overnight) in and finally the driver's age.
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Article Added on Thursday, October 26, 2006
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