The 520 Lowdown: Tucson Insurance
In the Grand Canyon State, Tucson found a contradictory niche: going up. With the Santa Catalina Mountains to the north, the Rincon Mountains to the east, the Santa Rita Mountains down south, and the Tucson Mountains marking the west, things definitely look elevated. If you take the first couple of Tucson insurance quotes you find, you might conclude that Tucson insurance is climbing to the heights of Mount Wrightson. Not exactly. If you diligently compare rates, great coverage in the Old Pueblo is pretty easy to find.
The Cost of Home Insurance
How much will you pay? How much can you save? It depends on your home’s size, location, and a variety of other factors. Your fellow Tucson residents now pay an average of $500 per year for their Arizona home insurance policies. If you fit the “average” parameters, you can probably cut that down by more than $100 simply by installing some and burglar alarms. But first, determine your home’s value. A house in Tucson is worth about $120 per square foot. If you live in a 2,000 square foot home, you’ll need about $240,000 to fully cover your home. And you might need more for its contents, though you’ll need to record what you own and what it’s all worth to know for sure. By shopping Tucson insurance quotes, you can see if greater contents coverage is worth the price. You can also figure in discounts, such as upgraded roofing and wiring.
Beware the Monsoon
During the brief summer monsoon season, rains pour into town and quickly flood many roads. You’d think the “feet of water” signs would forewarn people about flood danger, but there’s a reason the city had to pass the “Stupid Motorist Law” in 1995. If a flood destroys any of your possessions, you’ll pay a lot more than the $2,000 fine incurred by drivers who ignore flood barricades. A basic home insurance policy will cover you against wind, rain, and common weather perils, but not against flood water. Buy a separate policy, which is under federal regulations. Adding the cost to your Tucson insurance quotes is worth it.
Car Insurance Laws
No matter how many bike trails the city builds, it’s just not practical for many early-morning commuters in Tucson (except for those on E. Third Street, of course). And even golf carts are subject to the state law, which says every motor vehicle operator must have $15,000 of bodily injury liability for one person, $30,000 for two or more persons, and $10,000 in property damage liability. If you don’t obey these Arizona car insurance minimum requirements, an officer can fine you as well as suspend your license and registration. To get reinstated, you’ll need future proof of insurance-and your Tucson insurance quotes will be higher this time around.
The Costs
From the Presidio to Menlo Park, you can find ways to get lower Tucson insurance quotes if you take the time to try. For a 50-year-old man driving in Optics Valley, purchasing the state minimum car insurance will cost about $870 annually for his 2007 Lincoln Town Car. To lower his premium, he might install an anti-theft device. Maybe he carpools and decreases his annual mileage. Or he adds his wife’s 2006 Pontiac Grand Prix to the policy, and discovers that he’ll spend $650 per driver.
Multiple Options
You can add multiple drivers to a single policy and save, but there are other ways, too. The Sunshine Factory residents know about the bright sun in your home city. By some estimates, the skin cancer rate is three times that of the national average. Great health and life insurance is a must. When you compare Tucson insurance quotes, let NetQuote.com do it for you-for free-and you can see how much you’ll save by adding a health or life policy to your home and auto coverage. At the least, know that combining your auto and home insurance might save you hundreds of dollars in Arizona insurance quotes.
