Mandatory coverage, coverage limits and optional coverage. Purchasing car insurance can be complicated because of the various factors that are involved. Your car insurance policy and rates can change as your life changes.
It is important that you have the right coverage for your situation. Below are our answers to frequently asked questions our customers ask concerning car insurance.
Who Is Covered By My Car Insurance?
All licensed drivers who are living in your household are usually covered to drive your car. Also, if you give someone permission to drive your car, they are covered too.
Most insurance policies allow you to exclude individuals from your policy, but if they happen to damage your car in any way, you will be responsible for the cost of those damages.
What Kind Of Car Insurance Coverage Is Required In Arizona?
As you may know by now, the required coverage varies by state. Many states require at least liability insurance. Some states make it mandatory to have liability insurance and personal injury protection (PIP) insurance.
These are the minimum coverage amounts for liability insurance in Arizona:
- Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident
- Property Damage Liability Coverage: $10,000
- Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident
- Underinsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident
Am I Covered By My Own Insurance When I Drive My Friends Car?
In most cases, yes. However, there is a good chance that your friends insurance will be the primary coverage. This means you will only have access to your insurance if the limits of your friends policy were not met.
Am I Covered If My Car Breaks Down?
This type of coverage is optional, meaning it is considered an ‘add-on’ to your insurance policy. Also known as emergency road service coverage, you will be covered if you need locksmith services, jumps, towing and tire changes.
Do I Have To Change My Car Insurance When I Move?
It depends. For example, if you are moving from a place where there was covered parking, outdoor parking to a a place where there is a garage, you may qualify for additional discounts if you tell your insurance provider.
If you are moving to a new state, then you will need to adjust your car insurance policy to what is required in that state. Your insurance provider may not offer service in that state, so it is always a good idea to tell your provider.
How Often Should I Reevaluate My Policy?
Whenever you have a life changing event, you should think about getting quotes and comparing prices from your provider and others. If you get married, buy a home or have a child, you may qualify for discounts that weren’t available to you before.
Customer opt to stay with their provider for years out of convenience, but you can save thousands of dollars by switching providers. Even if you don’t have any major changes in your life, you can still save money by shopping for insurance every 6 months.