When you apply for an auto insurance policy in Arizona, the insurer will consider a number of factors when determining whether to offer to cover you. The most basic considerations have to do with you and your driving record. The company will definitely look at these factors:
- Driving history
- Marital status
Other details, such as whether you have been involved in an accident where you were the at-fault driver, are also considered. The likelihood your car will be stolen is another factor. If you store your vehicle in a secure garage as opposed to leaving it on your driveway or parking it on the street, you should be able to qualify for a lower rate.
As you get older and gain more experience behind the wheel, your rates should decrease. Young men are more likely to be involved in accidents, which is why their insurance rates are higher than for other classes of motor vehicle operators.
Getting married can help you save on the cost of your car insurance coverage as well; it indicates a certain level of maturity that the insurer considers will carry forward to the way you drive as well.
The make and model of car you drive also affects your car insurance rates. Driving a car with a higher sticker price or which is more expensive to repair will cost you more in premiums.