New Driver Car Insurance Phoenix Arizona

Reader’s Question:

How can I get cheap car insurance for new driver like me here in Phoenix.

Henry

Phoenix Arizona

 

This will help if you follow procedures that will get you lower rates for any car insurance:

• Buy a car in Arizona that belongs to the low insurable bracket such as compact cars, cars with small engines, and mid-sized automobiles.
• Avoid any kind of modifications to your car, most especially any alterations that will change the standard factory specs of your car.
• Avoid special accessories and attachments to your car such as nitrous fittings, large exhaust and alloy wheels.
• Take note of safety features in your car such as air bags and inform your car insurance agent about them.
• Also take note of security and anti-theft devices that are built in with your car.

Remember, your new driver car insurance in Phoenix Arizona does not have to be expensive as long as you know what changes to make to get a lower premium. Good luck.

SR22 Auto Insurance After DUI

Reader’s Question:

My father had a DUI here in Arizona not so long ago and I was required to get an SR22 auto insurance? Could you explain what an SR22 is and what it covers? Would this affect the financing for his new car?

Gavin

Chandler, AZ

An SR22 is a form that has to be filed by the auto insurance company and this states that auto liability insurance is in force for a certain person, in this case, for your father. This is typically mandated or required if the auto insurance coverage given to a person who got into a traffic mishap or was convicted for a driving violation and was not capable of showing financial responsibility.

Every state has certain distinctions of the SR22 auto insurance and its requirements. The obligation of a driver to have an SR22 must not directly have an effect on the capability to attain financing. Financing for a new car is not related to the need or constraint of the financial responsibility laws of a state.

Normally, there is an additional filing fee of $15 – $25 for SR22 auto insurance in Arizona. A driver who is required to have SR22 auto insurance is already considered high risk by auto insurance companies. And since the policyholder has to buy coverage levels that are mandated by the financial responsibility laws of the state, he/she may notice that his/her auto insurance payment is higher than what it used to. In any situation, if you find that you have to pay higher auto insurance premiums, all you have to do is to shop around and compare auto insurance companies and their rates to get the most affordable policy.