How to Save Money When Purchasing Auto/Motorcycle Insurance in Arizona

Richard Albert Cruz

Written by

Business Attorney - Phoenix, AZ

Contributor Level 12

Posted over 4 years ago. Applies to Arizona, 0 helpful votes



Purchase automobile insurance on vehicle #1

Make sure you abide by the laws of your state regarding coverage requirements. No specific carrier is recommended. Go with the lowest rate that has the coverage amounts you want.


Include UM/UIM on vehicle #1

In Arizona, insurance carriers have to offer underinsurance and uninsurance to you. If they fail, then coverage is included for the state minimum of $15,000. If you do not want UIM/UM, the insurance carrier is required to have you sign a rejection sheet.


Purchase automobile/motorcycle insurance for the rest of your vehicles

Best to go with a different carrier.


Reject UIM/UM coverage for these vehicles

Remember, UIM/UM from vehicle #1 protects you while riding in/on other cars/motorcycles. You can save money by increasing your UIM/UM on vehicle #1 and rejecting coverage on your other vehicles. This will give you the maximum protection while saving you money.

Additional Resources

If you have any questions or need further information, please feel free to contact me at Do not cancel or amend insurance coverage without competent legal advice that addresses your legal and fact situation.

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