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Car insurance is a necessity for everyone owning a car. Some leasing companies also require you to have car insurance. This can be hard on you if your budget is tight. Luckily, if you’re in Tucson, Arizona, you can find cheap car insurance for your vehicle.
In Tucson, Arizona, the average insurance coverage comes in at only $1,167 a year. This coverage is 9.1% less than any other town in Arizona. Consult with insurance executives or their customer service representatives to learn more about the most current coverage they have. Insurance coverage also depends on your car, experience level, and whether you have prior convictions or accidents.
It is important to consult with whoever is in charge before committing. You should request quotes from different insurance companies in The Grand Canyon State to find out which has the best options, increase rates, and customer service. Do thorough insurance shopping before settling on one.
Mandatory Car Insurance Coverage in Arizona
Car insurance comes in different types and the minimum coverage varies from state to state. In Arizona, the law requires car owners to have insurance that meets particular coverage requirements, as discussed below. Note that you can choose a higher level coverage to better protect yourself in an event of an accident.
In Tucson, Arizona, you are required to have car insurance that meets the following levels of coverage:
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist bodily injury coverage
- Underinsured motorist bodily injury coverage
The Arizona law requires your insurer to give you a minimum coverage of $25,000 per person and $50,000 per accident for bodily injury. For property damage, the minimum coverage is $15,000. Always look for a company that provides the minimum coverage at affordable rates.
Types of Auto Insurance Coverage
There are various types of insurance coverage, some of which are mandatory, while others are optional, depending on where you live. These include:
This kind of insurance covers damage to your car from accidents that occur in nature. It can pay for the damage you get if your car is damaged by hail. It also protects from other unforeseen events, such as vandalism or theft. While this insurance isn’t required by law in most states, it is important as it protects you from using your own money to prepare damages.
Bodily Injury Liability Coverage
This is a coverage that pays for medical costs in case of accidents. It can cover the personal injuries the other party incurs from your fault in the car accident. It can also cover their property damage and other damages they get from an accident.
Sometimes accidents occur without another car present, for example, when you hit a fence or a post. This coverage is the one that pays for your damages in such a situation. It can also pay for the cost of repairing your car in case of an accident involving another car.
Uninsured and Underinsured Motorist Coverage
Not all drivers have insurance, even if it is necessary. Others have low insurance that doesn’t amount to much. Uninsured and underinsured motorist coverage helps protect you in the event you are involved in such an accident.
Personal Injury Protection (PIP)
This insurance coverage pays for your medical expenses. It can cover any other damages you get because of the accident, such as loss of income or reduced capacity to work. This coverage is important if you get in an accident with a driver without insurance.
Cheap Car Insurance in Tucson, Arizona
When it comes to the cheap insurance you can find in Tucson, these are some of the best options you can choose from. They cater to full coverage and minimum coverage. Check out these companies to find cheap car insurance in Tucson, Arizona:
This company offers cheap insurance rates on average in Tucson. Its rates are the cheapest for full coverage, meaning you get collision and comprehensive insurance coverage at a very affordable price. It also offers the cheapest state-minimum policies. These cover only the insurance required by the state.
Geico also offers favorable rates for drivers with speeding tickets. It also has the best customer service you could ask for, helping you understand more about your coverage. Geico offers full coverage at only $669 annually. The cost can vary depending on your personal specifications. For example, it might be higher if you get more liability coverage or have more limits. Consult with their customer service to get more information.
This company offers cheap insurance coverage for military members. They can qualify for the lowest USAA policies in the city. This extends to families of military members. USAA offers full coverage at an average of $823 annually, with discounts for military members.
For service men and women, it has the cheapest minimum liability insurance rate, coming in at only $319 annually compared to Geico’s $321 a year. It comes second with insurance coverage if you have a speeding ticket at only $913 a year.
The only downside to USAA insurance is that its services are exclusive to military members and their families. However, it gets the best ratings for affordability, user satisfaction, and claims ratings.
CSAA has the best average annual premium for its full coverage. It offers the best coverage for inexperienced drivers. Because of the high risk associated with drivers without enough practice, signing up with CSAA is your best option. Geico comes in at second best when compared to CSAA, although they all fall under $4,000 a year.
Nationwide is the third cheap car insurance in Tucson, Arizona. It offers full coverage at $1,060 a year. It also has favorable rates for young drivers and those with previous driving violations. The price you end up paying depends on the make of your car, how old it is, and what violations you have.
According to customer satisfaction, State Farm insurance gets a high score. It is better than USAA for non-military personnel, offering the best customer satisfaction rates. It comes second to Geico but has equal claims ratings and affordability.
State Farm also has favorable rates for drivers with a prior accident record. It also has the lowest increase rate for after-accident drivers.
When looking for cheap car insurance in Tucson, Arizona, be sure to shop around to find a company that not only will meet your budget, but will also support your needs.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.