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• AZ Auto Insurance
• Arizona Auto Insurance Companies

Arizona Auto Insurance Companies – Choose the Right Company

There are many insurance companies offering different options. Where do I start?

With so many companies selling auto insurance, it’s difficult to know where to start. You can start by comparing Arizona insurance rates. You’ll get an instant quote rate comparison that fits your individual needs and all you have to do is type in your zip code.

How do know if an AZ insurance company has a good record?

The Arizona Department of Insurance has an online database that allows consumers the opportunity to find out commonly requested information about insurance professionals and insurance companies. You’ll be able to find out basic information about companies like their license statuses (including suspended or revoked licenses). If you want to know more about a particular company, you may also call the Department of Insurance Consumer Affairs Division at (602) 364-2499, or (800) 325-2548.

The following consumer awareness points are provided by the Arizona Department of Insurance.

• Household,” “Family,” or “Intra-Family” Exclusion:
  Some automobile policies contain
  an exclusion (commonly referred to as the “Household,” “Family,” or “Intra-Family”
  Exclusion), which limits bodily injury liability coverage available to family members (or
  residents of the household) injured as a result of the negligence of another insured.
• Eligibility:
  In determining eligibility for coverage or price, insurers consider a number of
  factors. However, two of the most commonly used by some insurers are:
  • A person’s credit history. “A Consumer Guide To Understanding How Insurers Use
    Credit Information” is on the ARIZONA DEPARTMENT OF INSURANCE web site at
    www.id.state.az.us and provides answers to the most frequently asked consumer
    questions on how insurers use credit history to determine individual rates and coverage
    availability.
  • Reports provided by organizations such as ChoicePoint which uses the Comprehensive
    Loss Underwriting Exchange (C.L.U.E.) as exchanges for loss history information on an
    insured, or a particular property. Participating member insurers exchange this prior loss
    history information between members, sometimes without independent verification of
    the validity of the information provided by other members.
• Non-Chargeable Automobile Accidents:
  Insurers are not permitted to increase the
  “premium of an insured as a result of an accident not caused or significantly contributed to
  by the actions of the insured.” A.R.S. § 20-263(A).
• Automobile Sixty-Day Discovery Period:
  
  There is a sixty-day period during which
  automobile insurance may be cancelled by the new insurer for any reason except the
  location of residence, age, race, color, religion, sex, national origin or ancestry of anyone
  who is an insured.

For more resources and info on Arizona insurance companies, visit the ADI’s consumer page.