First you need to know about Arizona's low-cost basic liability policy. This policy is the cheapest insurance you can possibly buy in Arizona and still drive 100% legally.

Each state sets its own minimum limits when it comes to its approved basic liability policy. In Arizona the lowest pay-out limits you can buy are 15/30/10. What this means is that if you are at fault in an accident your liability insurance will pay a maximum of $15,000 in medical claims to any one individual who is injured and your insurance will pay a maximum of $30,000 if two or more people are injured, regardless of the total number of people injured or the extent of their injuries. Your liability insurance will also pay a maximum of $10,000 for any property damage you cause. This includes the cost of repairing the other person's car.

One of the things you need to be aware of if you are going to purchase a minimum liability policy is that the maximum amounts that the insurance pays may not be enough to cover all of the medical or property damage bills in even a moderate-sized accident. If your basic liability policy doesn't cover the full costs of the accident YOU could be forced to pay the difference. This means it's possible for you to have insurance yet still lose your savings account or even be forced into selling your home.

The other thing you need to be aware of is that a basic liability policy doesn't cover YOU at all. In other words it won't pay a penny for the repair of your vehicle and it won't pay a penny for your medical bills or for the medical bills of any passengers in your vehicle.

The second thing you have to know if you're serious about finding the cheapest car insurance in Arizona is that the best place to find your insurance - whether it's a basic liability policy, a full-coverage policy or something in between - is online.

Online insurance sellers have very few expenses and virtually no overhead so they are able to offer their insurance at far less cost than their brick and mortar cousins.

One trick to finding the very best price online is to make price comparisons on several different websites that are designed to compare the prices from different insurance companies. Don't rely on just one site since each site only compares a small handful of insurance companies.

Once you've looked at prices on at least 3 different price comparison websites then simply choose the lowest price you've found and you're done!

This policy pays out a maximum of $20,000 in medical payments to any one individual who is hurt by an accident with your vehicle. It pays a maximum of $40,000 in medical payments to everyone who is hurt in the same accident with your vehicle and it pays a maximum of $10,000 in property damage. A basic liability policy pays NOTHING for the repair of your car and it pays NOTHING for your medical bills or for the medical bills of anyone in your vehicle at the time of an accident.

Whether you decide on a basic liability policy or whether you decide on full coverage car insurance or on something in between, you will save even more if you buy your insurance online. Just be sure to look at the prices from at least 3 different car insurance price comparison websites if you want to be sure that you are seeing as many different prices as possible.

But as soon as you've compared prices on at least 3 different websites then all you have to do is to pick the lowest price you've found and you've done it! You've found the most affordable high risk car insurance in Arizona.