Shopping for car insurance can bring on sticker shock. But paying for it is inevitable, since the minimum insurance coverage is required by Arizona law. 

What is the minimum insurance coverage required? Drivers must show proof of financial responsibility — in the form of a certificate of insurance, a bond, or a certificate of deposit or cash in the amount of $40,000 — in order to register a vehicle in the state. 

Proof in the form of insurance requires two types of coverage: 

• Bodily injury: $15,000 per person and $30,000 per accident
• Property damage: $10,000 per accident

There are ways to minimize your premiums and overall cost, particularly if you have a good driving record. Here are the top 10 questions you should ask yourself to find reductions in your auto insurance costs. 

#1: Have I received quotes from at least three insurance companies?

It’s important to shop around, since prices can vary widely from company to company. Make sure to do your research and select a reputable insurance company with good ratings. 

#2: Do I have a good driving record? Am I accident free? 

Good driver discounts are based on the number of claims you have filed, your total and type of tickets, and so forth. Drive for several years without any incidents, and you could be eligible for a reduction in premiums. 

#3: Have I and my family members completed a driving course? 

If you have a teenager who is learning to drive and working toward earning their driver license, then it’s good to know that completion of a driver’s education course can make them eligible for discounts. 

If you take a defensive driving course as an established driver, you could potentially receive a discount. 

#4: Does my student get good grades? 

Another way to reduce your costs if you have a teenage driver is to look for insurers offering good student discounts. How do these work? If your student has good grades — and they keep their grades up — you could receive discounts. 

#5: Do I keep my driving mileage low? 

Many insurers now offer breaks on rates if you don’t rack up very many miles in your driving. Their theory is that the less you drive, the less likely you are to be in an accident. 

#6: What groups am I involved with that might make me eligible for certain discounts?

Federal employees, active military, university alumni groups, even teachers can often get access to insurance at a reduced rate. Some employers offer discounts, as well. 

#7: Can I handle a higher deductible? 

You could lower your costs significantly by increasing your deductible (the amount you pay before your insurance policy kicks in). 

#8:  Do I need home insurance, too? 

Some providers will give you a discount if you bundle your auto and home insurance. 

#9: What’s my credit score? 

It may seem to have nothing to do with insurance, but actually, having good credit can bring lower rates. Know your score and be sure to correct any errors in your credit record. 

#10: Who do I know that could offer a recommendation? 

In addition to looking online and calling insurance companies, be sure to ask friends and family for their recommendations. 

If you learn that your insurer offers good driving discounts or discounts for taking a driving course, contact us today to learn about the types of classes we offer that might help you qualify.