Arizona auto insurance rates may seem pretty high compared to the rest of the country, but don’t think you can’t save some money. Here are a few tips to help you.

Arizona state law requires that vehicle owners have proof of financial responsibility, or basically car insurance. The minimum required coverages are:

Bodily Injury Liability: $15,000 per person and $30,000 for more than one person per accident.

Property Damage Liability: $10,000 per accident.

Auto insurance rates for these coverages, however, can vary quite a bit from one company to the next. This is true whether you live in Phoenix, Mesa, Tucson or other parts of the state. Knowing this is knowing one of the secrets to savings: Compare quotes from different companies and you could save hundreds. The Insurance Information Institute recommends that you get at least three quotes from different companies.

One of the easiest ways to do this is online. You can request quotes individually from different company or agency Web sites. Or, use the convenience of an insurance comparison site. These sites don’t represent a single company. Instead, you fill out one online form and can receive several quotes back. Depending on the site, you may get these quotes from the company or from independent agents. Independent agents have the advantage of being able to do further shopping on your behalf for the lowest rates.

If you request quotes individually, just be sure to provide the same information for each quote so your comparisons are accurate. It helps to have your current auto policy handy, or at least jot down some information about your vehicles, the drivers and your desired coverages and deductibles.

Speaking of deductibles, here is another tip: The lower your deductible, the more you’ll pay on your premium. You can save quite a bit by increasing your deductibles if you feel confident that you can come up with the extra money in the event of a claim.

Another way to save is to take advantage of discounts. Many insurance companies will give you a discount if you insure your home and autos with them. This is a multi-policy discount. You may also earn discounts for driving fewer miles annually, taking a defensive driving course, earning good grades as a student, or being a senior. Make sure to ask about available discounts.

Getting your hands on new driver auto insurance has never been more difficult. The economy is in a tailspin, insurance providers are losing money, and people are losing jobs left right and center. But what if I told you that there is hope? In this article, I am going to reveal a few super tips on getting a good quote that could save you hundreds on a policy if you are a new driver. Ready? Let’s get right into it. Here are the top 3 ways you can save big today…

Tip 1: Take a Defensive Driving Course
Sometimes having a drivers license is not enough and you can save big by taking a defensive driving course. Once it is completed, you’ll get a certificate which you can present to any potential insurer and work out a discount. Passing such a course shows insurers that you one have initiative and two, are competent beyond the minimum levels to be a road user. You’ll almost certainly get a discount for doing this.

Tip 2: Avoid Sports-type Cars and Lots of Modification
If you are a new driver then you are probably keen on getting your hands on something flashy, you know something that will make your friends jealous. This won’t do you any favors where insurance is concerned and where possible I strongly suggest that you avoid getting a sports car. Also avoid a car that has been heavily modified from it’s factory specifications. These will add hundreds if not thousands to any quote you get.

Tip 3: Consider Good Student Discounts and Family Insurance Policy
You can get a decent discount on new driver auto insurance if you have a good grade point average. Most insurers offer this so be sure to ask when you do get a quote. You can also save big by getting insured under any group family insurance policy that may already exists in your family. This is often overlooked but many insurance companies allow multiple members in a household to be insured under a single policy.

The above considerations are enough to save you hundreds on a new driver auto insurance quote. But you can save even more by using an online insurance company to find the best deal. The process is very easy and all you need to get started is your zip code and answer a few questions about your driving habits. Use the tips wisely and I hope you get the best deal possible.