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Arizona Driving and Traffic Laws

It is common knowledge to most motorists that Arizona car insurance is mandated by state and federal law. The price of a car insurance policy in Arizona is roughly on par with the national average. The minimum requirements for Arizona car insurance are minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability insurance with a minimum limit of $10,000 . These are commonly referred to as the 15/30/10 coverage limits.

Requirements for Arizona Car Insurance

Arizona is a state that follows a Tort system for insurance when it comes to dealing with automobile accidents. Under the rules of this system, one party involved in the accident must be determined to be at fault in the collision. This person and their Arizona car insurance company then become legally and financially responsible for the medical expenses and property damage repair costs that other motorists may incur from the accident. Because of this, it is important for a motorist to ensure that they have the monetary amounts of Arizona car insurance necessary to protect their assets.

On the positive side, data that has been collected from collision investigators across the country shows that Arizona's motorists are considered to be some of the safest drivers in the country. If you are planning to move to this state or are a recent transplant, it is necessary that you familiarize yourself with the traffic and driving laws that govern the roadways. Needless to say, traffic laws can vary widely from state to state. The maintenance of a clean car driving record will also allow you to enjoy some of the discounts that are available to motorists on their Arizona vehicle insurance rates. The cost of an Arizona auto insurance policy in is roughly $1,818 for the year of 2009. By comparison, the national average is $1,780 . It is important that you are knowledgeable about the traffic laws in this state to maintain low insurance premiums. An accident can drastically increase your Arizona automobile insurance rates.

Issues with Arizona Car Insurance

One of the most recent hot button issues in Arizona has been the visibility of a motorist's license plate. There are many trim panels that are commonly used on a car that obscure part of the license plate. These decorative items can hide the state or the county that the license plate for your car was issued in. For visitors in the state, you do not need to worry about this requirement. However, if you plan to reside in the state for a period of over seven months, you are officially considered to be a resident of the state. You then become fully susceptible to all of the penalties that can result from violating this law.

The next item you should be on your guard for is your usage of the HOV lanes on Arizona's interstates and highways. Especially around the roads in Phoenix, these lanes are restricted except for those whose vehicles are carrying multiple passengers during rush hours. The state does not charge its motorists a fee to use these lanes. However, in order to qualify to use them, a car must have at least two passengers while it is traveling. The times that the restriction for the HOV lanes are in effect are 6 a.m. to 9 a.m. and from 3 p.m. to 7 p.m. during the weekdays. If you violate these restrictions during these times, it is considered a traffic infraction. If you incur multiple infractions, your can possibly affect your Arizona automobile insurance rates in a negative way.

The use of photo radars on Arizona's freeways and highways has been a highly contested issue in recent years. A photo radar will take the picture of the license plate of a car with a motorist who is speeding down the interstate or a busy street. A ticket is then mailed to the address of the motorist that is on file with the local Department of Motor Vehicles. It is important to yield to the speed limits on any road you drive on, but it can be particularly important in Arizona. The ticket has all of the same legal propensities as one that is issued by a police officer. Therefore, an accumulation of these tickets can negatively impact the rates that you will pay on your Arizona vehicle insurance. To keep insurance costs low, you simply need to abide by the law.

Arizona is a state that is highly conscious of its land and how our actions will impact it. This has resulted in some highly stringent emissions requirements for a car in this state. Every car on the roadways must meet the state regulations for emissions before a license plate will be issued for the car. You will most likely receive renewal registration form in the mail. Upon the reception of this form, the accompanying letter will let you know if your car must pass an emissions test before your car tags can be renewed. If it does, there are numerous locations across the state that your car can be tested at. You can call the center nearest year to inquire what would be the best time for you to come in. If you are caught driving with expired tags in the state of Arizona, you will receive a ticket. Once again, this can cause your Arizona car insurance rates to go up considerably.

If you happen to receive a ticket in this state, it may not negatively impact your Arizona car insurance rates. Most motorists will qualify to have the violation removed from their record if they decide to attend a defensive driving class through a DMV approved facility. The officer who writes the ticket for you will be able to tell you if you qualify for this option. It is not a compulsory action at all. If it is thought that you never received your ticket in the first place, this will not affect your Arizona car insurance rates.

Arizona maintains strict rules regarding more common issues as well. Its penalties for drunk driving, even on a first offense, are among the strictest in the country and will impact insurance rates. For example, a first offense drunk driving conviction in Arizona will result in $5,000 worth of fines, one month in jail, and the suspension of your license for one year. Common sense dictates that you should not drink and drive. However, can you imagine the negative affects that such a conviction would have on your Arizona car insurance premiums? Indeed, the insurance rates for your car would jump significantly.

When you drive a car in a new state or city for the first time, it is your responsibility to make sure that you know what the traffic laws are for the particular area in order to avoid committing a traffic violation or infraction. They may influence the insurance you pay on your car. The Arizona auto insurance requirements will differ from other states. Traffic rules and regulations are in place in order to protect you and other motorists on the roads and highway. It is important that you heed these laws for your own safety, as well as the maintenance of lower insurance.

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