Understanding Arizona Car Insurance Policy Requirements for Used Vehicles

arizona car insurance

Are you planning to purchase a used car in Arizona? It’s important to know that before you can start cruising the roads, you must have adequate car insurance coverage as state law requires. Car insurance is an essential aspect of owning a car, and the law in Arizona enforces it strictly to ensure drivers are protected in case of an accident. This blog post will detail Arizona car insurance policy requirements for used vehicles and what this insurance covers for drivers. So, buckle up and read on!

What Kind of Car Insurance is Required in Arizona?

First, let’s look at the common car insurance policies offered in Arizona. These include liability insurance, comprehensive insurance, and collision insurance. Liability insurance is mandatory for drivers who own or operate a vehicle in Arizona. It covers damages caused to another person’s property, medical expenses, and lost wages resulting from an accident in which you’re at fault. The minimum liability coverage required in Arizona is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage.

Conversely, comprehensive insurance covers damages caused by non-collision events such as theft, vandalism, natural disasters, and falling objects. Collision insurance covers damages caused by a collision with another vehicle or object. While comprehensive and collision insurance are not mandatory in Arizona, they come in handy when repairing or replacing your vehicle.

Used Car Insurance Policy Coverage

Now let’s talk about the coverage provided by an insurance policy on a used car in Arizona. Ideally, car insurance coverage for used cars is similar to new cars. Besides having liability insurance, it’s advisable to have comprehensive collision insurance for your used vehicle to have adequate coverage. Additionally, it’s important to determine if your insurer covers damages caused by a pre-existing condition or mechanical failure.

When purchasing a used car in Arizona, it’s important to note that the cost of car insurance will vary depending on several factors. For instance, the value of the car, the age of the car, and the driver’s record will affect how much you pay for insurance. Therefore, comparing several insurance quotes from different providers is crucial before settling on one that meets your budget and coverage needs.

Contact the Used Car Experts at Drive Now

Arizona car insurance requirements for used vehicles are mandatory, and it’s essential to have liability insurance coverage if you own or operate a car in the state. It’s advisable to have comprehensive collision coverage for your used vehicle to protect you from unexpected events that may cause damage.

If you’re currently in the market for a used car in the Phoenix area, we recommend contacting Drive Now for a smooth car buying process. Don’t forget to get adequate car insurance coverage before hitting the road!