Hi – I have been told that I need to carry SR-22 auto insurance Phoenix. What is it?
Samantha R. – Glendale, AZ

Samantha, SR-22 auto insurance Phoenix is for high-risk drivers who have been arrested for certain traffic violations and usually have had their driver’s licenses taken away. It’s a certificate provided by the DMV usually ordered by the courts. If your driver’s license has been taken away or suspended due to a violation of the law then AZ may require you to get and maintain SR-22 auto insurance Phoenix in order to have your license back.
You can contact your current insurance carrier if you are in need of SR-22 auto insurance Phoenix or you can use the Internet which may provide lower rates.

My son is currently in the military. We are planning on him being away for close to a year. His car is still here at our home in AZ and no one will be using it. What is the best thing to do with his auto insurance? Should we keep paying it, stop it altogether or is there special military auto insurance for those presently serving?

Dan B. – Sun City, AZ

A – Dan,
Yes there are special military auto insurance Phoenix policies. It may also be possible that you can put a hold on either part or all of his auto insurance coverage and once he returns, you can re-activate his policy without any penalties. For more information, I would get a quote on military auto insurance Phoenix online which will allow you to compare several carriers and then call your present carrier and discuss with them.

I hear lots of conflicting information on how to get a better car insurance rate. Can you tell me a few of the main points to consider when I look for cheap car insurance in Phoenix?

Mary, Phoenix AZ

Sure Mary, its both confusing and not our favorite subject to deal with. However, you can get potentially great savings by keeping the following key points in mind when you apply or research your auto insurance coverage:

1) Shop around and get competing quotes. Try to get at least three if possible. You can find out the name of insurance companies in your state by contacting your state insurance department. You can then call the companies directly or you can look on the internet.

2) Also make sure you take into account the cost of insurance BEFORE buying a new or used car. The make and model of the car along with some of its features may drastically affect the cost of your yearly insurance. It could change your mind as to which car you buy!

3) You can also ask for a higher deductible. If you’re a safe driver it may be beneficial to weigh the monthly cost of your insurance vs. the cost of paying some of that back in the form of a higher deductible when you actually need it!

4) Another point that many of us forget is to reduce the coverage we have on our cars as they age and their value goes down. You might consider dropping collision or comprehensive coverage if you car is worth less than 10 times the premium. You can get an estimate of the current worth of your car at http://www.kbb.com which is the site for Kelley’s Blue Book.

5) Other types of discounts consist of: Good credit record, low mileage, and possible group insurance (if your part of a designated professional organization). You can also ask your current or proposed insurer if they have any other possible discounts.

Overall, just keep in mind that the company with the lowest quote or price may not be the one with the most discounts. Keep the final quote in mind when you compare. You can start your process by checking out some of the cheap car insurance Phoenix quotes by inserting your zip code only and clicking on the banners on this blog. Leave a comment and let us know how it worked out for you! Good Luck and Happy Shopping!

My teenage son will be able to start driving on his next birthday. Do I need to additional teen auto insurance coverage for him or will he be covered under my policy.
Mike D. – Tolleson, AZ

Mike,
There are special teen auto insurance Phoenix rates available but be sure to shop around. Start by calling your existing carrier and ask how much more it will be to add him to your existing policy vs. getting him his own teen auto insurance policy. Be sure to check the internet where you can compare several policies at the same time. I have attached a banner below where you can simply plug in your zip code. I would do this before you call your current carrier so you at least have a ball park to negotiate with. While you are preparing to have a teenage driver on your hands, be sure to let your teen know how important it is to follow the rules of the road. Not only will he be safer, but you will be able to keep your available teen auto insurance Phoenix at a reasonable rate.