Assigned Risk Consumer Resource Center

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Welcome Arizona consumers. We understand the concerns that you have trying to get insurance when you have had a few tickets or accidents or even some credit problems that may put you and your family in need of a State Mandated Insurance Plan to secure insurance coverage

This website will help you locate the appropriate insurance that you need regardless of what insurance record you have had. Arizona Certified Producer Agents are available to help you.


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AZ Executive Resources

Attorney General's Office
Office of the Attorney General
1275 West Washington
Phoenix, AZ 85007
Phone: 602-542-5025
FAX: 602-542-4085
Email: ag.inquiries@ag.state.az.us

Department of Education
1535 West Jefferson Street
Phoenix, AZ 85007
Phone: 602-542-5393

Governor's Office
Capitol Executive Tower
1700 West Washington
Phoenix, AZ 85007
Phone: 602-542-4331
FAX: 602-542-1381
Email: http://www.governor.state.az.u...

Secretary of State's Office
Capitol Executive Tower, 7th Floor
1700 West Washington
Phoenix, AZ 85007-2888
Phone: 602-542-4285 or 800-458-5842
Email: sosadmin@azsos.gov

State Treasurer
1700 West Washington Street, 1st Floor
Phoenix, AZ 85007
Phone: 602-604-7800
FAX: 602-542-7176
Email: info@aztreasury.gov

Legislative Resources

Arizona State Library, Archives, and Public Records
1700 West Washington, Suite 200
Phoenix, AZ 85007
Phone: 602-542-4035
FAX: 602-542-4972
Email: services@lib.az.us

Legislative Council
1700 West Washington Street
Suite 100
Phoenix, AZ 85007
Phone: 602-926-4236
FAX: 602-926-4803

State House of Representatives
Capitol Complex
1700 West Washington
Phoenix, AZ 85007
Phone: 602-926-4221

State Legislature Home Page

State Senate
Capitol Complex
1700 West Washington
Phoenix, AZ 85007-2890
Phone: 602-926-3559

Voting Record and Bill Status Information

Judicial Resources

Judicial Branch Home Page

State Court of Appeals

State Supreme Court
Clerk of the Court
1501 West Washington, Suite 402
Phoenix, AZ 85007
Phone: 602-542-9396

Election Resources

Elections Office
Capitol Executive Tower, 7th Floor
1700 West Washington
Phoenix, AZ 85007-2888
Phone: 602-542-8683
FAX: 602-542-6172

Local Election Offices

Secretary of State - Campaign Finance
Capitol Executive Tower, Seventh Floor
1700 West Washington
Phoenix, AZ 85007-2888
Phone: 602-542-8683
FAX: 602-542-6172


Value Added Consumer Links

AZAIP Car Insurance - Assigned High Risk Auto Insurance Resources

AZAIP-What is assigned or high risk car insurance? That is a great question, so here is an overview.
Assigned Risk or High Risk automobile residual insurance markets are made available in most states to assist licensed resident drivers unable to secure auto insurance through the preferred companies due to a their driving history. Most household name brand companies must participate to satisfy state insurance mandates. The AZ Car Insurance Assigned Risk or AZ High Risk Automobile Insurance often charges higher rates in your state, and is a last resort for licensed drivers that cannot obtain car insurance coverage elsewhere in the Arizona preferred or voluntary automobile insurance marketplace. To combat soaring insurance prices experts recommend educating yourself and then obtain Arizona Car Insurance quotes from at least three insurance companies.

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An informational consumer guide on Arizona assigned risk car insurance and preferred risk AZ Automobile insurance.

What is the Latest on AZ AIP - AZ Car Insurance?



Why would my Arizona auto insurer cancel my policy?

Technically, in most states your insurer may cancel your policy only if:
you fail to pay your premium;
you lose your driver's license;
you are guilty of material misrepresentation during the application process i.e., you fail to notify your insurer of a recorded violation, such as a drunken driving, or possession of drugs or any illegal activity offense; or
you fail to report a substantial change of risk, such as buying a new high performance sports car to replace an old high mileage family sedan.

However, your insurer can choose not to renew your policy for a variety of reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk? Not only are these scenarios considered unsafe and illegal, they are justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident.
Where do you live? Has the neighborhood changed in the last few years? Have the accident or crime rates risen noticeably? As regions are reassessed periodically, their status could change and you could suddenly find yourself living in a higher risk area, where your insurer's rates may not be adequate to cover losses.

What do I do if my AZ insurance Company cancels or refuses to renew my policy?

Even "good" drivers can find themselves in the position of being dropped by their current carrier. Reasons range from a couple of moving violations, or multiple accidents, or other serious violations that make you a high risk to situations outside your control, such as when insurers in your state are suffering severe business losses. Overall rises in claims or losses can cause insurers to become highly selective in determining whom they can afford to offer to insure.
That is why it is important to note that if you are licensed to drive, by law, you are eligible for insurance. However, your options for new coverage may be limited. Each state has created and regulates a market of last resort for those who cannot otherwise obtain coverage. These groups have various names, depending on the state you live in, such as assigned risk automobile insurance plans or the residual market, or the high risk pool. Your agent or insurance producer will know more about the particulars in your state.
Regardless of the reason you were dropped or canceled by your insurer, you need to act immediately to get another policy. Under no circumstance should you drive your vehicle without knowing one hundred percent that you have current insurance. Call your local agent to help you find new coverage. If you do find yourself in the assigned risk residual market pool, the price may be higher but it may be your only alternative in maintaining your freedom to drive.

How do I keep my AZ insurance company from canceling my policy?

The most obvious way to maintain your low risk status is to keep a clean Arizona DMV driving record. If you've been in an accident, consider taking a defensive driving course. Even those of us who have been driving for years rarely know the simple tricks to preventing accidents through defensive driving.
Also, look into purchasing special safety and security features for your car, such as anti-lock brakes and an alarm system, or try OnStar. Your AZAIP insurance agent can give you further tips on how to convince your insurer you're a safe driver.

What steps can I take to reduce my AZ Car Insurance rates?

Arizona Insurers often discount their rates in order to encourage good driving practices and the use of safety and security precautions. Depending on the insurance company, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and sometimes it's simply worth some peace of mind. For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes may or may not offer savings, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority. Insurers generally offer discounts for:
Safety Features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts.
Defensive Driving Clean violation record, driver's education courses for teenagers and defensive driving or accident prevention courses for adults insurance discounts for the latter are required in some states.
Aditional savings may be available for vehicle audible alarm systems, electronic locks, VIN etching and automotive disabling devices.
Changing The Driving Habits Consider taking a bus or other public means of transportation, using a company vehicle for work-related travel and car-pooling.
Consider a contract with family members promising not to drink and drive. The availability of a discount for signing such an agreement varies among insurers and states, however is a powerful idea that works.
Buying Home Owners and Auto Policies from the Same Company If you own a home and an automobile and you are insured by two different companies, check into the cost of carrying both policies by one insurer. Your agent can give you guidance as to which insurers offer discounts. This will always offer your the best buy, so put it in your corner when shopping for rates
You can also lower your insurance rates by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $100 to $250, or even $500, will bring your rates down. Moreover, you may not need collision and comprehensive coverage if you drive an older car. Ask your agent which discounts are available to you.


How does adding drivers to my policy affect my rates?

The more people you allow to drive your vehicle on a regular basis, the greater the chances of your vehicle being in an accident. Teenagers are especially expensive to insure because they are the least experienced drivers.
A driver's-ed course can help ease the burden of insurance costs since it teaches your teenager defensive driving techniques. If your child's high school does not offer driver's-ed, try to find one offered by another school or a private firm in the area. After all, the cost of driver's-ed could be cheaper than the extra cost of your insurance. Many insurers offer "good student" discounts as well.
An adult's driving experience can also affect your rates significantly. Don't assume that every adult you know has been driving since age 16 or 17 or is a competent driver with a clean driving or insurance record. Again, taking a defensive driving course is a good way for adults to prove they are also responsible drivers, thus lowering their risk and their insurance premium rates.

Finding the best coverage and lowest prices for Automobile insurance is not that difficult to shop for. Rates will vary from company to company. To help make shopping, comparing rates and saving money on your insurance easier, Assigned Risk Auto Organization provides free auto insurance comparison rates 24 hours a day, seven days a week. Get competitive non biased help with Receive a quote from our consumer comparison rating service any time day or night, over the Internet. Spend a couple of minutes answering a few questions about yourself, your driving record, vehicle information and insurance needs. Local Assigned Risk Insurance Agents will tell you how much their company would charge you for an annual premium for your automobile insurance, in addition to rate comparisons from other major auto insurers including most household name brand insurance companies in your specific zip code.

Getting yourself out of the high or assigned risk driver pool category is going to take a little time. You may need to consider the following, cleaning up a bad driving record and paying your bills on time. And some factors will fade with time. Most insurance companies rate a driver with no points for three years as a good or preferred risk. But there are a few things you can do to cut high risk auto insurance costs now! Consider driving an older car and dropping collision and comprehensive coverages. Or, if you can accept the risk, carry lower amounts of other standard coverages.
And don't forget that shopping online is a great way to access assigned risk automobile insurance PAIP certified producers and companies that serve Local Consumers in our area. You may even be able to comparison shop between several offers. If you get a FREE QUOTE from each of the national quoting services you will have the best service from someone Local in your area.

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