Best cheap car insurance quotes in Golden Valley
Arizona’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Golden Valley. However, minimum liability coverage provides minimal financial protection.
You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the The Grand Canyon State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Arizona, and how it could affect your policy choices in Golden Valley.
Cheap minimum liability insurance quotes in Golden Valley
Minimum liability coverage in Arizona means at least $25,000 of bodily injury liability coverage
per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability
coverage per accident. These coverages are commonly referred to as 25/50/15 coverage. With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.
Here are some examples of Golden Valley car owners that Jerry has assisted with obtaining minimum liability coverage.
Coverage
State Minimum
Golden Valley, AZ
(Zip Code: 86413) Coverage
State Minimum
Golden Valley, AZ
(Zip Code: 86413) Coverage
State Minimum
Golden Valley, AZ
(Zip Code: 86413) Coverage
State Minimum
Golden Valley, AZ
(Zip Code: 86413) Do you need more than minimum coverage in Golden Valley?
Legally, drivers in Golden Valley don’t need to carry more than the minimum liability coverage mandated by Arizona’s car insurance laws
—but financially, many drivers may want to. In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/15 limit, especially if you cause serious injuries to another person. Once you’ve hit your liability coverage limits, your auto insurance policy won’t pay extra—meaning you could be responsible for paying the difference out of pocket.
You should also keep in mind that Arizona’s car accident laws
allow drivers to file personal injury lawsuits for up to two years following a car accident—so your liability extends long past the initial incident! The bottom line: Consider raising your coverage level if you can afford it—a 50/100/30 liability insurance policy offers better financial protection than the minimum.
Cheap full coverage car insurance quotes in Golden Valley
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. A full-coverage car insurance policy typically includes collision coverage
and comprehensive coverage
, in addition to your state’s minimums. Collision coverage protects you from repair costs associated with hitting another vehicle or a stationary object, while comprehensive coverage protects you from vandalism, theft, and non-collision damage. Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Check out the table below to see what real Jerry drivers pay for various levels of coverage:
Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
---|
• State Minimum Liability • Comp / Collision | Progressive | $129 | | Honda Civic Sport |
• State Minimum Liability • Comp / Collision | Bristol West | $186 | | Toyota Corolla L |
• State Minimum Liability • Comp / Collision | Kemper | $212 | | Chrysler 200 Limited |
Last Updated Oct 12, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
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, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.