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Bailey Insurance Ltd Blog

How much auto insurance do you need in Arizona?

If you have lived with the same auto insurance plan in Phoenix, AZ for many years, you have to ask yourself, is it still enough to pay for all damages in an accident? At Bailey Insurance LTD, our agents can help you find the auto insurance plan that best suits your lifestyle and help you review your current coverage. 

What is Arizona’s minimum requirements for auto insurance?

The state of Arizona requires drivers to show proof of auto insurance that pays a minimum of $15,000 per person ($30,000 per incident) for bodily injury. Drivers must also furnish proof of coverage that pays at least $10,000 for property damage. 

Is the minimum coverage enough?

Minimum coverage gives you the legal right to drive your car around Phoenix, AZ. The bare minimum, however, may not be enough to guard you against lawsuits if your policy’s limits are not enough to pay for all damages. It is, therefore, imperative that you find an insurance policy that suits your lifestyle so that you are not unpleasantly surprised after the accident. 

What should you consider when choosing policy limits?

One thing to consider when choosing your policy’s limits is your savings. Those with a considerable amount of money set aside for emergencies and other miscellaneous cases may choose to purchase an insurance policy that merely satisfies the state’s minimum requirements. You may consider opting to pay more in monthly premiums if your savings account has less money to pay for unexpected expenses. 

You may also want to consider purchasing more auto insurance if you have teen drivers. The likelihood of young drivers having an at-fault accident in Arizona is relatively high. It is, therefore, imperative that you find a plan that covers you if your child damages property or causes bodily injury. 

The agents at Bailey Insurance LTD can help you create an auto insurance plan that gives better financial security. Call us today to get started with a quote for coverage!