High risk drivers who are looking for Arizona car insurance coverage may be charged higher rates than people who qualify for standard rates, but that doesn’t mean they don’t have options within this classification. Since each car insurance company that is licensed to provide coverage in the state sets its own price range that it charges to customers each year, costs of providing the same level of coverage will vary from provider to provider.
There are some companies that specialize in providing coverage to this part of the market. That doesn’t necessarily mean that their prices are higher than if you bought a policy from a standard car insurance provider. It does mean that this company is more willing to take on the higher level of risk required to provide coverage to a non-standard car insurance buyer. Each company sets its own internal policies about how much risk it is willing to assume and then what to charge to customers who present that level of risk.
If you are a high-risk Arizona car insurance customer, take the time to shop around to find the company that can provide you with the level of coverage you need at the best price. Make a point of considering quotes for coverage in that order. Focusing solely on cost may not get you the level of protection you need, and at that point cheap car insurance is not a bargain.