Auto insurance buyers in Arizona must have a certain level of insurance coverage in place. Under state law, drivers must buy bodily injury liability coverage and property damage liability insurance. This type of coverage is put in place to protect the occupants of the other vehicle, as well as property damaged as a result of the accident.
The minimum level of bodily injury liability coverage that must be bought is $15,000 for one person injured in an accident, and $30,000 to pay for all injuries and expenses incurred by multiple victims in the same accident.
At least $10,000 in property liability coverage must also be put in place. This insurance coverage pays for the cost of repairing the other driver’s vehicle, as well as any other property that was damaged or destroyed in the accident. Property in this case includes sign posts, fences, sheds, mailboxes and other structures.
A person who is shopping around for the cheapest Arizona car insurance coverage may think that all they need is to buy the minimum level required by law. This level of coverage may be inexpensive, but it may not be sufficient to pay for all the damages sustained if the accident is a serious one. A better choice is to shop around for coverage and compare quotes from a number companies before making a final decision.