Consumer Resources for Arizona Car Insurance
Insurance News
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.
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
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 and we can help
you (480) 405-3526.
OR enter your zip code below
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.
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.