How much car insurance do I need if I decide to just get liability coverage here in Arizona? I was told that I can get the cheapest car insurance if I go with just the minimum coverage.

Sandy

Glendale, AZ

It is really hard to understand the ins and outs of car insurance and a lot of people find it to be so confusing. As part of car insurence, liability coverage would be for bodily injury and property damage. This type of insurance coverage would pay for the damages and injuries you caused to other people in an accident up to the limits of your car insurence policy. It is required for you to get at least the minimum required liability coverage in Arizona which is said to be the cheapest car insurence.

Liability coverage would pay for the medical expenses of an injured individual and for property damage that may have incurred in an accident you cause. In the event that your car insurence policy provides coverage in case you get sued by the other party, your insurance would pay for an attorney for your defense.

To get the cheapest car insurence in the state of Arizona, you can go with the minimum requirement for liability coverage which is 15/30/10. This means $15,000 for bodily injury for a single individual, $30,000 for bodily injury for all the individuals involved and $10,000 for property damage.

I have finally gotten a formal job after my graduation and I also need to switch auto insurance companies. Does my job here in Arizona factor in the premiums that I would have to pay for my auto insurance?  I have a DUI on my record

Aden

Arivaca, AZ

Yes, the kind of job that you have could influence your auto insurance premiums in Arizona. According to most vehicle insurance providers, they have collected information that scientists, artists and pilots have the cheapest car insurance premiums and they normally pay $935.76 annually. The people who shell out the most for their car insurance premiums are the lawyers, judges, CEO’s and entrepreneurs as they normally pay $1,383.63 annually.

Lawyers, judges, CEO’s and entrepreneurs have extremely demanding types of jobs that need them to use up their time in their vehicles and often use their mobile phones than a typical motorist. Considering all of these things, insurance experts say that these jobs are claimed as “high-risk” and normally pay higher for vehicle insurance than other people.

Scientists are considered careful and detail-oriented, which transform to good driving behaviors. As for pilots, their profession needs them to pay attention to the safety and comfort of other people and this suggests better driving practices. The profession of artists, as well as actors and performers expect them to do their tasks in the city which is why they are more likely to use public transportation rather than driving. This regulates their time in the vehicle and lowering the possibility of an accident.