Car insurance rates vary by city and state. There are several factors that can influence this difference. Some zip codes may have more expensive auto repair services and parts, while others may have higher rates of car accidents or cases of theft and vandalism. These variables are taken into account along with personal variables, such as your driving history, when insurers determine their rates.
The table below shows the average annual total coverage rates in five Arizona cities, along with the difference between each city's total coverage rates and the overall state average. The average car insurance costs in Arizona may be close to the national average, but some drivers may save a little more money. However, drivers who need additional coverage or who don't want to pay the normal deductible of their insurance can take out rental insurance with an outside company. One of the most important factors in determining your Arizona auto insurance rates is the type of vehicle you drive.
The Bankrate editorial team, which includes three licensed insurance agents, analyzed rate data from Quadrant Information Services to determine how much car insurance costs in Arizona for various driver profiles. Some credit cards also offer rental car insurance, although they usually only cover damage to the rental vehicle itself and not liability for bodily injury or property damage. These include where you live in Arizona, the types and levels of coverage you choose, the car insurance company you choose, your age, gender, credit-based insurance score, driving history, vehicle type, and more. Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has.
By comparison, the insurance that a car rental company will sell you over the counter can easily cost twice as much. People who already have auto insurance for their personal vehicle are typically covered up to the normal limits of the policy when driving a rental car in the United States. Even if car insurance isn't required, it's a good idea to be insured when you're driving so that, if something happens, you'll get help paying for car repairs and medical bills. If you didn't do anything before renting the car, you can opt for collision damage exemption (CDW) at the counter to be safe or, better yet, save money by taking out affordable insurance from a third-party provider before leaving the rented car park.
Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. In California, for example, you must have a personal car insurance policy with liability coverage or purchase additional liability coverage from the car rental company in order to drive legally. Remember that your Liberty Mutual car insurance will only cover up to the limit of your own vehicle's policy.