One of the most difficult processes that a motorist has to go through is getting insurance. It involves a lot of paperwork and it requires having enough knowledge on the specific law and regulations of the state you live in. The process becomes a lot more complicated if you belong to the group of people that insurance providers call “high-risk”. This include young drivers in their teens, DUI offenders, and those who were required to file an SR-22 at some point in their driving careers. However, this does not mean that they are not eligible for cheap Arizona auto insurance quotes anymore. The following article provides helpful information for those who are considered high-risk.
Arizona Car Insurance for Teenage Drivers
Almost every state in the USA implements the Graduated Driver Licensing law (GDL) which was designed to help protect and control teen drivers when it comes to driving. Here are some information on the GDL law in Arizona:
GDL Law Requirements: Arizona
|Learner’s permit||15 years and 6 months|
|Intermediate license||16 years|
|Full licensure||16 years and 6 months|
|Mandatory Learner’s Permit Hold||6 months|
|Supervised Practice||Driving 30 hours; minimum 10 night hours|
|Unsupervised Nighttime Driving Ban||Yes; driving is prohibited between 12:00AM-5:00AM (intermediate license only)|
|Passenger Restrictions||Yes; one passenger (below 18) maximum for the first 6 months within the intermediate stage|
|Cell Phone Use||No Restriction|
DUI Insurance in Arizona
After the first DUI offense in Arizona, the following penalties are to be dealt with: a DUI base fine of $250; DUI surcharge of $200; probation surcharge of $10; prison construction assessment worth $500; $500 for Xtra DUI assessment; imprisonment of up to 10 days; license suspension from 90 to 360 days; and the possibility of installing an ignition interlock ordered by the court and will be paid for by the offender.
SR-22 Insurance in Arizona
Not all states require SR-22 filing in cases where motorists need to reinstate their licenses. An SR-22 is a document that needs to be filled up by people who encountered situations which suspended their driver’s licenses, such as a DUI offense, getting into an accident without any car insurance, or the absence of any proof of insurance while driving. Arizona is one of the many states that require their motorists to file for this document for licenses under suspension.
Finding a reliable provider of affordable Arizona car insurance quotes can be quite a burden for both young and old motorists. It can be confusing and exhausting having to deal with every little task involved in getting the right type of insurance and the appropriate policies needed depending on the requirements of the Department of Motor Vehicles within the state of Arizona. Because of this, Arizonaautoinsurancequotes.org found a way to make it easier and a lot more convenient. By using the quote generator below, people will have instant access to affordable options when it comes to protecting themselves and their vehicles.
Enter your details in the quote widget to take advantage of low-cost rates today!
And check out or in-depth reports on:Arizona Official Website
Official Website of Arizona State