Having the right auto insurance is something every business and consumer should make a priority. If you operate a company in the state of Arizona, you need to know about Arizona auto insurance agencies and the minimum auto insurance in Arizona.

If your employees (or you) use automobiles for business purposes, make sure to let your insurance company know. Your premiums will be higher, but if a wreck occurs while on company business and the Arizona insurance agency that covers the vehicle did not know that the car was on official business, it can reject the claim.

When purchasing auto insurance in Arizona, some points to consider include:

1. Buying enough Arizona car insurance coverage to meet your business’s needs
2. Deciding whether to purchase automobile insurance in Arizona online or to use a traditional “clicks and mortar” insurance provider
3. Knowing how and where to compare premium rates and find car insurance in Arizona

Action Steps
The best contacts and resources to help you get it done

Purchase enough Arizona automobile insurance coverage for your business's needs

The minimum auto insurance in Arizona is 15/30/10. If an accident happens, the most the car insurance company pays for bodily injury liability to other passengers is $15,000 per person up to a total of $30,000 per accident. If property damage occurs, the limit is $10,000 per incident. Arizona is a tort state, meaning someone must be at fault for an accident; that person (and his insurance company) is responsible for all damages. Most businesses want at least 100/300/100 coverage plus comprehensive and collision insurance. Comprehensive insurance covers non-wreck incidents (stolen car, slashed convertible top); collision insurance pays for damage to the policyholder's car in a wreck. You may also purchase an umbrella policy that covers any additional claims against the driver or company. These policies are in increments of $1,000,000. Decide if the company will pay insurance costs for its employees (usually as commercial insurance) or if employees must find and fund their own coverage.

I recommend: Chase and AutoInsure both have free online umbrella insurance quotes.

Purchase automobile insurance in Arizona online or use traditional Arizona car insurance companies

With many websites promising to deliver Arizona auto insurance quotes from multiple companies with one click, it is tempting to purchase auto insurance online. There's nothing wrong with this, but make sure you meet your company's needs by doing so. If you purchase insurance online from an unknown company and it goes under, you and your employees are out of luck. Also, never underestimate the importance of good customer service. Will little-known insurance agencies answer the phone speedily, respond to your questions and take the time to clarify your policies? If you have a strong need for attentive customer service, a traditional, proven insurance provider-one that you can call or visit in person in addition to its website-may be your best choice.

I recommend: Allstate, Traveler’s, State Farm and Nationwide have been around for many years and are well known throughout the insurance industry for their longevity and customer service.

Know how and where to compare premium rates and find car insurance in Arizona

Thanks to the Internet, it's easy to get Arizona car insurance quotes at the click of a mouse. Many reputable companies offer auto insurance quotes from a number of providers when you fill out just one application. By inputting the specific insurance needs of your business, you can get a side-by-side comparison of the same insurance coverage from several different providers.

I recommend: eSurance, Insurance and Progressive are easy to use and solicit quotes from several companies. You can purchase coverage and print insurance cards at the end of your session. Although Progressive is an individual insurer, it also offers competitors' policies (which are sometimes cheaper).

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Network with others in your industry to find out what companies they use for auto insurance in Arizona. The best recommendation for any company is through positive word-of-mouth.