I’ve been charged with numerous traffic violations including DUI. Now authorities are demanding that I get SR22 insurance so I can continue driving here in Arizona. What is SR22 insurance and how can I get a cheap policy to get my drivers license back?

Charles

Phoenix, AZ

SR22 insurance is a form or certificate of car insurance for high risk driver Arizona. This is given to erring drivers like you who have been charged with major traffic violations like DUI. You can also be requested to get SR22 insurance if you were involved in a traffic accident without the minimum vehicle insurance coverage. You need to get SR22 insurance so that you can continue driving for the next 3 years.

SR22 insurance is not given by all car insurance providers. Car insurance for high risk driver Arizona is only provided by a couple of specialized car insurance companies. These car insurance firms, however, charge high rates for SR22 insurance, so be prepared to pay expensive premiums every month.

Car insurance for high risk driver Arizona may come in cheap for you if you know how to shop around. Browse the Internet for websites offering cheap SR22 insurance. You can also ask your current insurer if they give SR22 insurance, and if they can provide you with discounts considering you have multiple insurance plans with them.

I asked for instant quotes from different auto insurance companies here in Arizona, but all of them gave me very high prices. Now, I was thinking if I could buy cheap teen auto insurance online. Can anyone give me advice on this?

Maria

Arivaca, AZ

You know, Maria, it is not really a big surprise that you received high amounts when you asked for quotes from auto insurance companies there in Arizona. Even if you go online and ask for instant quotes for auto insurance, I am 100 percent sure that you will receive the same prices. I am afraid that this is the harsh reality of teen automotive insurance. You may be puzzled because of this.

The explanation is actually simple. Auto insurance companies all around the United States of America perceive teen drivers as hazards on the road. Even if your teen driver is a responsible driver, we still cannot deny what the statistics show. According to statistics, the sum of all accidents involving a teen driver is larger than the sum of accidents involving people who belong to the older age brackets. Since auto insurance companies are hesitant of clients that are high-risk drivers, the result is high-costing automotive insurance premiums.

Now, the only thing you can do is try to lower the price. If you are on a tight budget, you can attempt to take some useful steps in reducing what you are going to pay for teen auto insurance.

If you already have an existing insurance policy, I suggest that you include your teen driver as one of the drivers to be covered in the policy. The discounts available for this are called multi-driver discounts. Just ask for information from your insurance company regarding this matter.

The next thing you can do is have your teenage kid take basic driving courses. For this, you may want to contact high schools around your area that offer basic driving courses. If not, contact private establishments that do. Finishing a basic driving course is considered evidence of your teenager’s being responsible on the road. So, automotive insurance companies become more trusting.

So, just remember that whether it is online or not, the prices would still be high unless you do something to lower them. I hope you find what you are looking for. Good luck.

I currently live in Phoenix Arizona and I am planning to move to Alabama next month. The state of Arizona requires me to obtain an SR22 insurance so I am just wondering if the state of Alabama requires an SR22? I really need to know this information before I move to Alabama. Thanks!

Rico

Phoenix AZ

Alabama just like Arizona require motorist to obtain an SR22 for various reasons. So you mentioned that you were required by the state of Arizona to get an SR22 Arizona. If that is the case, If you have been mandated by your home state to carry an SR22 for certain amount of years, then you will need to continue carrying the SR22 insurance in the state of Alabama where you are planning to move. You will have to change your drivers license to an Alabama license!

SR 22 are state specific though so what is required in one state may not apply in another state. If you are currently maintaining an SR-22 insurance in one state but move to another state, you need to fulfill the SR-22 filing period for your former state. In addition to that, when you move to Alabama your auto insurance policy in Alabama must have liability limits which meet the minimums required by law in your former state which is in Arizona.

To give you an idea, the minimum limits of liability in Alabama are 20/40/10 meaning $20,000 bodily injury liability per person up to $40,000 per accident and $10,000 property damage liability.

Greetings. I am a former resident of Lake Havasu City, Arizona and has just recently moved to Phoenix about a month ago due to work-related issues. I intend on settling here and have already moved in most of my stuff from Havasu. I haven’t, however, updated my my new address with my auto insurance. Will my insurance cover the cost if ever anything happens to me even if my personal information is not updated?

Noel

Phoenix, AZ

Hello, Noel. To answer your question—Your auto insurance that you acquired in Lake Havasu will cover damages and expenses to you and your car even if your residency is not updated as long as it happens within the said auto insurance coverage period of your policy and as long you can provide proof of your former address, your date of moving to Phoenix, Arizona and the date of when the policy came to effect. This also means that you have to update all legal identifications including driver’s license, as well as your car registration. You may opt to do this on the next renewal of the said documents. Just be sure to provide a copy of your driver’s license, your car’s registration and police report, in case anything happens, to your auto insurance before they approve of paying for the damages. Proof of identity is what’s most important. State ID, DMV license, Social Security and other primary legal identifications is a must. However, if your auto insurance finds other inconsistencies with your personal information through your other identifications, they can assume that you might be giving false personal information.

Your auto insurance will question such inconsistencies and ask for a plausible reason for such event.

Is it true that if I take the driver improvement course in Arizona there will be no points charged to my license or it will lower my auto insurance rate premiums?

Ben

Catalina Foothills, AZ

If you receive a ticket for a non-criminal traffic violation and elect to attend a basic driver improvement course in Arizona there should be no points on your driving record. If, as a result of a traffic violation, you elect to attend and complete a basic driver improvement course, you will receive the following advantages:

1. Your insurance rates will not go up and your car insurance policy cannot be canceled because of this infraction, unless this involved an accident where you were at fault.

2. Points may not be added to your driving record, adjudication of guilt is withheld, the fine is reduced up to 18% and safe driver status is maintained if applicable.

Is it illegal to drive without insurance in Arizona? I live in Glendale Arizona.

Sarah

Glendale, AZ

Almost every state requires every individual to have car liability insurance. All states have financial responsibility laws also. This means that even in a state that does not require auto liability insurance, you need to have sufficient assets to pay the claims if you get involved in an accident. If you don’t have enough assets, you must buy at least the state’s minimum amount of insurance.

In Arizona, the required coverages are Bodily Injury and Property Damage. The minimum required limits are $15,000 per person and $30,000 per accident for Bodily Injury and $10,000 Property Damage per accident. This requirement does not apply to motorcycles though.

I let my 19-year-old son use my car once in a while. This makes me quite worried because he goes out a lot. My car insurance provider here in Arizona doesn’t exactly give good service, so I’m thinking of switching to another company. What level of service can I expect to receive from other car insurance companies out there? How much help can they be if my son ever gets into trouble?

Marilyn

Glendale, AZ

My advice is for you to first ask your auto insurance providers there in Arizona what services are available in their package. How much would that cost you? Tell them about your concerns and ask them how they normally handle such. Finally, try to ask around about how soon and how well they respond. Nothing beats experience when it comes to these things.

The companies with reputedly good service usually have trained representatives who respond to accidents in about two hours or less. They can assist you in accident scenes, your work place or your home. Several car insurance companies have partnerships with vehicle repair shops. You can directly take your car to these pre-approved shops and wait for your agent. This makes resolving your car trouble faster and generally more efficient.

If you can afford it, you can also choose car insurance providers with coverage that help you if you ever need towing, flat tire changing or delivery of fuel and fluid. If you have to rent a car because yours has been damaged, some insurers also reimburse what you spend on car rental.

Many of these services may be available 24 hours but first, ask whether or not they are. I hope this gives you peace of mind.

I accidentally hit the passenger side front-end of the vehicle while pulling into my garage. I have both comprehensive and collision coverage in Scottsdale, AZ, will either of these physical coverage cover the repairs to my car?

Lala

Scottsdale, AZ

Yes, this should cover under the collision coverage in Scottsdale, AZ.

Collision Coverage covers damages to your vehicle when your automobile hits, or is hit by, another car, or other object. This insurance coverage pays to fix your car less the deductible you choose. This insurance is limited to the terms and conditions contained in your auto insurance policy.

One claim typically, should not cause your insurance costs to rise. Most insurance providers have an insurance claim threshold that must be paid by them before increasing your auto insurance rate. Usually minor damages fall below the threshold, unless it is high value car that costs a lot to fix minor damages. If it is one of many violations or insurance claims then you can expect your auto insurance rate to rise.

Is a car rental agency liable to the damages to my vehicle if the person they rented the vehicle to does not have auto insurance at all in Peoria AZ?

Mike

Peoria, AZ

It will depend upon laws of the state if the rental car company can be held liable for the damages caused by a motorist who rented from them and caused an accident and without car insurance. A person renting a car typically signs a rental agreement which puts responsibility for damages caused in an accident on the renter.

Though many people believe that rental car companies will assume full responsibility for the vehicles they rent, in most states, rental car companies are not obligated to take responsibility for the actions of their rental motorists including Arizona.

If you were hit by an uninsured driver driving a rental car in Peoria AZ, you should contact the car rental company to see if they are going to take responsibility for the damages their renter have caused. If they are not, then you can contact Arizona insurance regulator or a lawyer to find out the state law that requires rental car agencies to do in this type of situation.  Are you ready to get a an Arizona auto insurance quote….just enter your zip code and answer a few questions.

I am going to renew my auto insurance policy here in Casas Adobes, Arizona next week and I received two different offers from two different auto insurance companies, with discount respectively. Can you please help me determining which one I’m going to choose?

Rafael

Casas Adobes, AZ

Sure Rafael,

Wow! Normally discounts are incentives being offered by the auto insurance companies in Casas Adobes, Arizona to selected drivers only. Also only few auto insurance companies who give certain offers to certain individuals and you’re lucky to get not just one but two offers. So if you are interested with these discounts, might as well contact your local insurance agent in Casas Adobes, Arizona to give you pointers on these offers. The usual incentive discount that an auto insurance company provides is when the driver has a clean driving history or the accident free discount.

There are also discounts being offered to good students, this discount is for the teenage drivers or youth drivers who posses a solid academic records. Also these youth drivers can receive auto insurance discounts upon completion of safety driver awareness educational program.

Discounts are also offered to a family who includes more than one vehicle in their policy. You can also get big discounts when you combine auto insurance to homeowners’ policy. You will notice a big value for your money on this method.

With those discount solutions that I’ve presented to you, I will be glad and happy to hear if one of these days you will be qualified to those incentive discounts. Check your options for auto insurance policies in your are by typing your zip code on a similar form on any insurance websites like the one in this page.