Cheap High Risk Car Insurance in Arizona

Finding cheap high-risk auto insurance in Arizona is much easier than you might think. In fact, there are only a couple of steps you need to take if you want to get the lowest possible price for your car insurance.

The first thing you need to know is that the state of Arizona offers a special type of very low-cost auto insurance called a basic liability policy. In Arizona, the absolute cheapest auto insurance you can legally buy and still drive is what’s known as a 15/30/10 basic liability policy.

What is a 15/30/10 policy? It is a policy that pays a maximum of $15,000 for the medical expenses of any individual who is injured as a result of an accident involving your vehicle. The policy also pays a maximum of $30,000 toward medical bills for everyone involved in an accident with your vehicle, regardless of how many people may be involved or how serious the injuries. The policy also pays $10,000 for any property damage claim. Property damage includes repairing another person’s vehicle.

While this insurance is perfectly legal for you to purchase, there may be some risks associated with it. For starters, the maximum payments on a basic liability policy may not be high enough to cover the actual costs of medical treatment or the cost of repairing any damaged property if you are involved in a moderate-sized accident.

And if your liability policy doesn’t pay all the bills, guess who gets to keep them? That’s right – YOU! That means you can afford the insurance, but still be forced to spend all of your life savings, and sometimes even be forced to sell your home if you’re involved in a serious accident.

Another thing to keep in mind is that your basic liability policy will not cover you or your passengers at all. Your policy will not pay for your medical expenses and it will not pay for the medical expenses of anyone who rides in your vehicle. A basic liability policy also won’t pay a dime to fix your vehicle after an accident.

Still, if money is tight and you’re looking for the cheapest insurance possible so you can drive legally, a basic liability policy might be for you. And if you want to save even more money, you should shop around for the cheapest liability policy online, because online is where you’ll get the best possible deal by far.