by Angela Farnsworth
This is quite different from a lapse in your automobile coverage. A lapse in coverage will generate a penalty when you finally seek to secure coverage for the vehicle.
In the state of Arizona, financial responsibility is mandatory when it comes to owning an automobile. Even for out of state residents, which includes military personnel. If you are out of state and your vehicle is registered in Arizona you, you must submit what is called a De-Insurance Certificate. This form basically allows the car owner to keep the car registered, but uninsured because the vehicle will not be used or operated in the state of Arizona until adequate proof of insurance is supplied.
This is quite different from a lapse in your automobile coverage. A lapse in coverage will generate a penalty when you finally seek to secure coverage for the vehicle.
Knowing how serious Arizona is about having insurance, it is important for you to shop around and get the best rate. Here are a few tips for getting the best rate on your car insurance:
1. Call and research with several insurance companies before purchasing your vehicle. Explain the type of vehicle you’re thinking of purchasing or you have. Call around to find out which discounts apply.
2. Driving Record – This is a no brainer. A good driving record warrants a lower rate.
3. Prior losses: Have you submitted a lot of little claims. You know a fender nick here or a broken windshield there? Well, although the insurance company is there to pay such claims, this payment doesn’t come cheaply. The more you submit, the more they will charge you.
4. Ask for discounts: Never leave money on the table. For instance, if you have a teen on your auto policy, and your teen is a good student, did you know you could get a premium discount if your teen maintains grades of B or better? Chat with your agent. Ask what types of discounts they can offer.
Arizona is serious about having insurance on vehicles registered in the state. Driving around without insurance may get your car impounded; so make sure you shop around to get the best rate.
