It is the duty of every motorist to purchase auto insurance in San Tan Valley; it is also a legal requirement, and failure to fulfill your obligation will see your driver’s license revoked. In the state of Arizona, motorists in cities like San Tan Valley must buy a minimum level of coverage, which is $10,000 of property damage insurance, $15,000 of bodily injury insurance, and $30,000 of total bodily injury insurance coverage.
Why Minimum Coverage Is Never Enough
If you purchase the legally required minimum auto insurance in San Tan Valley, you’re asking for trouble. For example, if you are at fault for an accident and cause more than $100,000 worth of damage, the victim could refuse to settle at the $10,000 level of your policy limit and instead sue you for the entire amount legally owed.
For most San Tan Valley motorists, this could lead to financial ruin. If you are sued and only have minimum coverage, your legal costs are not covered, and if your vehicle is damaged by an uninsured driver, you will face court battles to get the repairs paid for.
What Factors Determine the Cost of Auto Insurance?
Insurance quotes vary significantly because insurers and underwriters have different criteria, but factors like occupation, credit score, driving record, marital status, and number of miles driven are the most commonly used.
At San Tan Insurance, we can help you find the lowest auto insurance quote that suits both your wallet and your needs. As an independent broker, we are only interested in finding the best deal for you.