In the state of Arizona, it's not that difficult to obtain a very low rate for your auto insurance while at the same time enjoying the best in coverage. Cheap rates and superior coverage can co-exist in the same package. And even then, you would do better by being very conversant with the auto insurance laws in Arizona.

Since the law expects all drivers to have some form of basic auto insurance, the insurer of the person at fault bears the cost of bodily injury or property damage in any given accident. This means, your insurer bears the costs where you are found guilty in any accident involving another party.

Basically, the laws provide that your auto insurance policy should cover the injured party to the tune of $15k per person up to a total of $30k in any one accident where you're at fault. Also, a policy must be able to provide at least a $10k compensation for damage to property. Having this kind of auto insurance policy would suffice by Arizona laws.

But have you ever thought of what the consequences would be if a party that has this kind of basic auto insurance coverage is found to be at fault in an accident that would require up to $53,000 to offset damages?

In that event, your insurer's total pay out would not exceed the sum of $40,000. her car damaged...even beyond repairs, then he. her car all alone...and that would make us consider ways of having adequate coverage.

Qualitative coverage would take into account your assets and lifestyle with the intent to protect you from their loss. It must, however, be noted the same kind of auto insurance coverage might not be suitable for two different individuals. The scope of your policy might change periodically to accommodate changes in lifestyle and status. At this stage, it is wise to talk to a trusted agent who would talk you through what is actually adequate for you as coverage.

Tips to guide you into top quality coverage at affordable rates...

1. Exercise due caution as you drive. This would give you a good standing with insurers.

2. If you can cope with it, acquire a relatively cheap car. This would lower your rates.

3. Insurers give discounts to those who insure more than one car with them.

4. Avoid making silly claims. Staying for 3 or 5 years without putting in any claims would win you some good bonuses.

5. If your auto insurance policy is for your old car, you may have to leave out comprehensive and collision coverage types.

6. Ensure that you install anti-theft facilities in your car.

7. Where you buy your home matters. There are neighborhoods that attract higher rates.

8. Get as many quotes as you can from various policy providers. Spending a few minutes on the internet to review some quotes would enable you save much more.