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Tips When Buying Car Insurance in Phoenix, AZ

Car ownership presents a sense of freedom and endless adventuring possibilities. But with all the goodies that come with a vehicle, owners are faced with a fair share of responsibilities. Of course, one of those financial responsibilities being auto insurance.

Sourcing for car insurance can be a challenging task. Car owners are often faced with questions like what’s the right amount of coverage? How can I reduce my car insurance rate? While the journey might seem somewhat bumpy, following the below tips from Bailey Insurance Ltd located in Phoenix, AZ can make the auto insurance buying process simple for drivers.

Shop for car insurance before heading to the dealership

It’s wise to get auto insurance before purchasing the car. This way, you will be able to drive off the vehicle to your location. Because car insurance is a mandatory requirement in Arizona, you may not drive your new car home without insurance. 

Beware of factors affecting your car insurance rate

It’s the wish of many drivers to keep their auto insurance down. But to achieve this dream, you need to be aware of factors affecting your car insurance rate. Some include:

  • Type of car
  • Your age
  • Marital status
  • Gender
  • Your location
  • Education and occupation
  • Driving record

While some factors might be out of your control, some like monitoring your driving record can go a long way in keeping your premiums in check.

Listen to what the law says

Arizona’s law requires drivers to carry insurance with the following minimum limits:

  • Bodily injury cover with a minimum of $25,000 per person and $50,000 per accident
  • Property damage coverage with a minimum of $15,000

Whereas it’s vital to observe the above, it doesn’t give optimal coverage for your vehicle. As such, you should consider the below additional auto insurance options:

  • Comprehensive cover to protect your car against damage, theft, fire, and some natural disasters.
  • Medical payments to cover for accident-related injuries.
  • Underinsured/uninsured motorist insurance to cover damages and medical expenses when involved with an accident with an at-fault driver with no or inadequate insurance.

Need more information on auto insurance? Please get in touch with Bailey Insurance Ltd in Phoenix, AZ, for more insightful auto insurance tips. And if looking to purchase car insurance, we are here to help.