Car insurance can get expensive, but the fact of the matter is that driving without car insurance is just too much of a risk. If you are caught your car can be immediately impounded, your registration can be suspended and the hassles and fines you will have to pay before you can reinstate it are way too much of a headache to make the risk worthwhile. And fortunately that is a risk you don't have to take since the state of Arizona offers you a policy that's so low-cost virtually everyone can afford it.

Arizona's cheap car insurance is known as a basic liability policy. Each state sets its own minimum limits on its basic liability policy and here in Arizona the minimum insurance you can legally buy is what is called a 15/30/10 policy.

A 15/30/10 liability policy has a maximum payout of $15,000 to cover the medical expenses of any one individual who is injured by your vehicle and a maximum payout of $30,000 to cover the medical expenses everyone involved in the same accident. It also pays a maximum of $10,000 to cover all property damage caused by the accident. Property damage is generally the repair of the other person's car, although property damage can include many other kinds of property as well.

Keep in mind that a basic liability policy pays nothing at all toward the repair of your car - you're on your own, there - and it pays absolutely nothing toward your medical bills or toward the medical bills of any passengers in your vehicle at the time of an accident. Again, you are on your own.

A simply liability policy can be a risk due to the fact that the low payouts might not be enough to pay for all of the medical bills or property damage from an accident. If it doesn't pay for everything YOU could be forced to pay whatever is left. That could mean that you would be forced to spend your entire life savings or you could even be forced to sell your home to pay the bills that your liability insurance won't pay.

No matter what car insurance you finally decide upon, if you want to save the most money possible then you must buy your policy online. Online car insurance is ALWAYS offered at a remarkable discount. And if you take the time to compare prices on several different price comparison websites then you can save even MORE.

There are several ways for you to save money on it, but if you are looking for the cheapest insurance companies in Arizona then there's only one place for you to look - and that's online! Happy hunting!