If you are looking for Mesa car insurance, before calling your local agents or getting Mesa car insurance quotes online, it is good to know how much coverage you are required to have so that you have a “base” from which to make your decisions. For the state of Arizona, the only type of car insurance you must have is liability coverage, which pays others in the event that you are found to be at fault in an accident. Exactly how much liability coverage are you required to have? 15/30/10. This is the format liability coverage is written in. $15,000 is the minimum amount of bodily injury liability you are required to have for one person in an accident. $30,000 is the minimum amount of bodily injury liability coverage you must have for all people in an accident. And $10,000 is the minimum amount of property damage liability you are required to have in an accident. Bodily injury liability covers the medical expenses, lost wages, and/or pain and suffering of others who get hurt in an accident in which you are found to be at fault. Property damage liability covers damage done to other cars as well as stationary objects such as a telephone poll, a neighbor’s fence, or a bus shelter. The aforementioned three numbers are the absolute minimum requirements. Just looking at the property damage liability alone, assuming your get minimum coverage, if you happen to get into an accident with a $30,000 Lexus, the cost to repair it might be well over $10,000. How much liability coverage should you get? According to experts, a good amount to have is 100/300/50. You can afford to go lower than the recommended amounts (and thus save on your premium) if you think that you’ll have enough cash on hand to pay for the damage caused in an accident in which you are at fault. Because most of us don’t have that kind of luxury, the closer you are to the recommended liability coverage, the better.

Aside from the required liability coverage, what other types of insurance are available when you are shopping for car insurance in mesa AZ?

Collision insurance: Covers the damage done to your car regardless of whether you are at fault in an accident. You might be asking yourself, why would you need this type of insurance if everyone else is supposed to have liability coverage? Unfortunately, not everyone is properly covered. Let’s say someone hits your car and is clearly the guilty party. Even if they do have liability insurance, it might not be enough to repair your car. You can, of course, sue that person, but with collision insurance, there is no need to because your car’s damage is covered regardless of who caused the accident and regardless of whether or not the guilty party is properly covered. Furthermore, if you finance or lease your car collision insurance is almost always required.

Comprehensive insurance: Like collision insurance, it is almost always required when you finance or lease your car. It covers any damage done to your car, which did not occur from a car accident. This would include things such as collisions with wildlife, weather, and theft.

Uninsured/underinsured motorist coverage: Covers the medical expenses, lost income, and/or pain and suffering of yourself, your family, and your passengers in the event that a driver either has no bodily injury liability coverage or not enough bodily injury liability coverage to pay you.

Medical payments coverage: Covers the medical bills for you and your passengers regardless of whether you are found to be at fault in an accident. If you already have health insurance this coverage might not be necessary. Depending on what type of health insurance you have, you can combine medical payments coverage benefits with your health insurance in the event of an accident.

GAP (Guaranteed Auto Protection): Applies only when your car is stolen or not capable of being repaired. It covers the difference between how much money the car insurance company will give you and how much money you owe to the loan company. I explain GAP in detail in Bakersfield Auto Insurance.

How can you save money on car insurance Mesa Arizona?

Shop around car insurance Mesa AZ. Get a healthy amount of quotes, around five. Whenever you inquire about a quote be sure to ask about any discounts, which you might be eligible for. I recommend talking to one of your local independent car insurance agents as they can compare quotes from multiple companies, cater more to your needs, and perhaps beat the quotes you’ve already received. I give a variety of ways in which you can save on car insurance in Mesa in Auto Insurance Discounters: Your Are Your Own Discounters!

The Arizona Department of Insurance Website has a comparison survey, including Mesa, which allows you to see the range of prices you can get from your local car insurers.

My other car insurance hubs :

Inexpensive Car Insurance

Cheap Car Insurance for Young Driver

Short Term Car Insurance Guide

Camper Van Insurance Guide

Grand Rapids Car Insurance: Grand Rapids Car Insurance Quotes Requirements
Cheap Car Insurance for Young Drivers: Affordable Car Insurance for Young Drivers
Des Moines Car Insurance: Des Moines Car Insurance Quotes Requirements
Short Term Car Insurance: Short Term Car Insurance Policies

And, of course, I have my Mesa car insurance guide here!