Auto Insurance Laws and Trends in AZ

Arizona is one of the states, next to Florida, that contains a very high population of seniors. This can be both a blessing and a hindrance for drivers. Most states offer senior discounts on auto insurance policies. Additionally, the more driving experience a motorist has, the lower the premiums usually are. On the other end of the spectrum, age can decrease a person's mobility and reaction time , thus leading to more accidents and higher insurance rates.

All motor vehicles, mopeds, motorcycles, and golf carts – yes, golf carts  – must carry liability insurance. This will protect the driver against any property damage or bodily injury to a third party involved in an automobile accident. Optional insurance, such as collision, comprehensive, un/under insured motorist insurance can be purchased as well. Motorists can also choose to increase the amount of liability they purchase.  This is especially important because Arizona is a tort insurance state. This means that the party who is deemed to be at fault for an accident is responsible for paying all property damages, as well as injury expenses.

Arizona auto insurance premiums

The insurance premiums in Arizona are slightly higher than the national average. This is partly due to the high vehicle theft rate. This problem is more prominent in the more populous cities and the areas that are close to the Mexican border. Over the last four years, auto theft rates have slowly been declining.

The reason for this is because of the fact that owners are installing anti-theft devices, such as GPS and security systems. Also, Arizona has implemented the "Watch your car" program. Vehicle owners can register their vehicle in a special DMV database and display a decal on their window. This gives the Arizona police the right to stop the vehicle during the hours of 1 and 5 A.M. to ensure that it is being driven by the rightful owner.

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