Reader question:

I’m supposed to get SR22 in Arizona, but I don’t own a car. Um, yeah, HOW exactly is that supposed to work? I mean, I probably drive my boss’s car for my job about once a week–am I supposed to put THAT down? I can’t imagine what he’ll think if he catches me trying to find the VIN on his door…

Abby

Good question, Abby.

Hold up now–you don’t have to get insurance with SR22 in Arizona with the name of any other car than one that you personally own. This means that your boss’s car is his own business, and you need to deal with yours. Don’t own a car? Well, surprise, surprise, you actually don’t even have to own a car to get SR22 in Arizona. All you need is a driver’s license and a will to find a company for non owner driver insurance that doesn’t charge through the roof.

You can find such a company, and they will sell you a policy for SR22 in Arizona which will allow you to drive your boss’s car and any other car–except for one that has your name on it–and be completely insured and licensed while doing so. Well, not completely completely insured. Instead of getting to pull out all the stops (which is pretty expensive, anyway), you will need to make do with just liability insurance–all the better to make sure that the vehicles you are driving are fully insured.

Cheers,

Fashun Guadarrama.

Reader question:

How can I get cheap Arizona SR22, as a 19 year old? I need to drive to go to school, so just waiting it out isn’t an option for me…but at the same time, I didn’t take out my student loan to pay for my car insurance.

Joel

Good question, Joel.

You sound like a college student right there, Joel, so I have some good news for you. There’s a pretty decent chance that you can get cheap Arizona SR22 insurance, if only you’re willing to evaluate yourself and look for the right company. Here are some strategies to keep you on the road:

• Check out your transcripts. Got good grades? Your cheap Arizona SR22 insurance company wants to see them, and if they’re good enough they might even give you a very hefty discount for them.
• Start counting miles. Are you over a hundred of those away from the place you grew up and where your parents live? If you let your car stay at home with them, and catch rides while you’re at school, you save once again.
• Schedule some time out. Go to a defensive driving course to get another discount.
• Take it slow. Before you buy a cheap Arizona SR22 policy from a company, compare that company’s quotes against the quotes of other companies.

Cheers,

Fashun Guadarrama.

Reader question:

What is the required AZ SR22 coverage?

Brian

Excellent question, Brian.

The dry, arid state (for the most part) of Arizona doesn’t have to worry as much as other parts of the country about harsh whether conditions (unless you’re driving in the mountains). Maybe that’s why the required limits for AZ SR22 insurance coverage are so incredibly low. If you are trying to save money, then you will be happy to hear that you will only need to have $30,000 for bodily injury liability, with just a scant $15,000 per person in the crash. As for property damage liability, don’t even mention it–a mere $10k.

But before you go jumping on this chance to save on your AZ SR22, ask yourself: can you really be protected from lawsuits with a mere $45,000 worth of auto insurance coverage? I mean, how much do you think a serious crash really costs? What if you total someone’s car? That’s probably going to cost more than $10,000. What if you seriously injure someone? Okay, we know that will cost way more than $15,000.

And guess who is liable for the amount that your AZ SR22 insurance doesn’t cover? YOU. Y. O. U. So maybe you should take the car insurance company’s advice and get $100,000 in property damage and $300,000 in injury liability–save your money by comparing quotes and getting discounts, not by risking your financial security.

Cheers,

Fashun Guadarrama.

Reader question:

If I have Arizona SR22 insurance, and get into just a tiny little bump, do I still need to file a claim with my car insurance company?

Joseph

Hm, good question, Joseph.

You should really be cautious about whatever you do concerning claims with your Arizona SR22 insurance company. I mean, think about this: whichever way you go, it might end up on your insurance record for several years, and follow you around from state to state and company to company. So here are some cautions on both ends.

First of all, your Arizona SR22 insurance company has told you that you have to report everything to them. Thing is, there’s no law saying that you have to. If you do end up reporting, that will go into your file, and that information can be viewed by other companies for several years. Granted, it’s not possible for your car insurance rates to rise simply because of a tiny little bump, but it’s not unheard of that this can compund the problem started by a bunch of other little bumps and other things–i.e., the straw that broke the camel’s back, as they say.

Still, I’m a bit too paranoid to suggest that you avoid filing a claim with your Arizona SR22 insurance. If you had your bump with another person, then it might be that they will file a claim with your company before you do, even if it seemed to you that nothing happened to the car–some injuries don’t show up until later.

Cheers,

Fashun Guadarrama.