Where Can I Get Rental Car Insurance in Arizona?
Reader’s Question:
I am planning a cross-country trip with my friends, and we’re getting a rental car here in Arizona. Do we need to get car insurance for that?
Mimi
Scottsdale, AZ
Good day to you, Mimi. Before plunging into car insurance premiums you actually do not need, I think it is best that you first review fully what you need and what you do not. We often make mistakes by getting additional protection that we think we need but do not know that we already have, or sometimes we assume we already have but in reality we do not. Not mentioning the fact that these additional car rental insurance premiums cost a lot, adding roughly $30 to $50 a day on your trip expenses.
Even if one is only renting cars, like what you are planning to do with your friends, the car insurance premium of the driver might already have coverage for that. Also, you will most likely use your credit card to pay for the car rental, and these credit cards, as we all know, have supplementary insurance that go with them. So, better check with your car insurance provider in Arizona and your credit card company first before embarking on this fun-filled trip with your friends because you probably already have the coverage that you are looking for. However, you may want to get a loss damage waiver. It switches liability over from the driver of the rented car to the rental car company. Have a fun and safe trip.
Need Comprehensive And Liability Auto Insurance In Arizona?
Reader’s Question:
I was able to acquire auto insurance both Liability auto insurance and Comprehensive auto insurance in Flag Staff, Arizona AZ. I’m already familiar with this two. However, I’m not quite sure if I have knowledge about bodily injury insurance, can you please refresh me with this one?
Wilma
Flag Staff, AZ
With the current scenario in the public, I would say that all state requires all motorist and drivers to bring with them their drivers license and auto liability insurance policy. The only difference in every state I should say is the minimum coverage limits, which is set by respective state regulations. Bodily injury insurance is under definition of the liability insurance, it provides coverage for the expenses on medical issues, hospitalization and follows up check up regardless of which party you belong to. As long as your part of the accident, then you are part of the coverage.
Today hundreds and thousands of bodily injury insurance are being updated by each policy holder. Your concern is a very sensitive topic that you need to discuss things with your insurance agent in Flag Staff. It’s best for you to do this way so that you can get the information you want first hand. Your insurance agent will be willing to help you and could even cite example related to your concerns.
If you want to assess your auto insurance premium, you can use similar auto insurance sites and use the relevant form which can lead you to rates comparison charts for auto insurance in your area.
Adding Teen Driver To Your Car Insurance In Arizona
Reader’s Question:
I have my teenager listed on my own car insurance policy in Phoenix, Arizona. He reared a brand new mustang and we had to make claims from our insurer. Will my car insurance premium go up upon renewal if my policy should expire?
Tom
That is one big crash to your bank account if you didn’t have car insurance policy. Your insurer must be in a bad shape after paying for the damages on that mustang! For most insurers, accident rate of listed drivers will definitely affect car insurance premiums. In fact, being accident prone and high probability of road accidents for teenage drivers is reason enough for your premiums to get raised by your car insurer.
You might experience irreversible results for now on your car insurance premium’s possible increased rates because of that accident. However, you can always ask the insurance regulating agency to check if you are not overcharged if any increase happens. Your insurer in Phoenix will be more than happy to explain to you their rating system.
A good way too for you to check if your rates are reasonable is to shop around for free quotes online. You can get good quotes from around Arizona through this website and I think it is wise for you to do that. Once you submit your zip code, you will be given a comparison chart for local insurers in your area who can give you some free quotes. Once you have those quotes, simply compare that to the probable new rate you might be charged by your present insurer and see if you are not charged too high.
I hope your car insurance rate would not increase as much!
Auto Insurance Canceled Due To Non Payment?
Reader’s Question:
My auto insurance has been canceled in the past due to non-payment, am I required to pay the entire car insurance premium up front?
Jim
Gilbert, AZ
You might have to pay your whole auto insurance up front, instead of financing or making payments along the way, if you have had a lapse of coverage. This will depend upon the underwriting rules of the car insurance company you are trying to get insurance with and if you will be required to make a payment in full for your next car insurance policy.
You may in fact be required in Arizona to pay in full and have your car insurance agent file a financial requirement certificate or SR22. Some states require a six month paid in full if you have allowed your car insurance to lapse. The Financial Responsibility certificate is referred to as an SR22 in Arizona.
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