Tucson is a metropolitan city with over 1 million population. A huge number of industries have been established in this area. It is quite close to the Mexican border, and that explains its ever-growing population rate. Tucson is also known for its university – The University of Arizona. It is one of the well-known and largest universities in the United States. Students from all over the country come to study at this university. Thus, this is one of the busiest and populated cities in the United States. The higher the number of population, the higher the traffic on the roads, and with high traffic and congestion on the roads, it is advisable to have quality auto insurance in Tucson. Make sure you check the best car insurance companies when you are looking for auto insurance in Tuscon .
The huge number of businesses and students, add to the traffic volumes. A proper insurance policy is required to protect yourself, your family, and car from unexpected accidents. In Arizona, you’re required to carry an auto insurance policy with at least a minimum liability. Also, adding some additional coverage is advisable for complete protection against unforeseen circumstances. The limited liability and minimum state requirement for auto insurance in Tuscon AZ are as follows:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
- $10,000 property damage
Tucson has a very interesting history. It has flown different flags in its land. It has flown the flag of American, the confederate flag, and finally the flag of the state of Arizona. It rains heavily in this region during summers. It starts to rain in the month of June or by July, and it continues to rain until the end of September. During the monsoon, the people in Tucson also experience thunderstorms and flooding. However, the flood doesn’t last long and gets cleared in a few hours. This climatic condition complicates the situation on the road for drivers. It’s difficult to see the road and becomes very difficult for drivers to drive during the monsoons.
Factors that Determine Auto Insurance in Tucson
Tucson also has some different and interesting state laws. The women in Tucson are disallowed from wearing pants. The residents and visitors are not allowed to cut a cactus plant. Cutting down this plant can lead to a punishable offense, and the offender will be sent to jail for around 25 years. This state also has a huge number of burglary and motor thefts reported by the FBI.
There are road safety laws that everyone in Tucson should follow. The driver and passenger on the front seat should always wear a seat belt. Passengers below the age of 16 should wear a seat belt, no matter where they are sitting. Passengers below the age of 5 should be seated in a safety seat for children. If you’re riding a motorcycle and if you’re below the age of 18, both the rider and co-passenger should wear a helmet. Teen drivers are not allowed to text, call, or use mobile phones while driving. Even new drivers with learners permit are not allowed to use their mobile devices in their initial six months of getting their license. However, experienced drivers are allowed to use their phones while driving.
Driving under the influence of alcohol is a big offense in Tucson. The alcohol limit in the blood should not be more than 0.08 percent. A driver with alcohol level in their blood above 0.08 percent will be given a DUI. If a driver of 21 years and above refuses to give the alcohol test when pulled over, it will directly lead to suspension of their license for a period of 1 year. If the incident happens the second time or the third time, the license will be suspended for two years. Drivers below the age of 21 with an alcohol content of 0.08 percent in their blood will have their license suspended. If you’re convicted for a first time DUI, you will have to serve jail time for ten days and also pay a fine amount of at least $1,250. You will also have to go through alcohol education and treatment. You would also be required to do community service and install a device for ignition interlock.
Other Factors that Determine Auto Insurance in Tucson AZ
If you violate any of these laws and have a bad driving history, you will find yourself with high insurance cost. It is crucial to keep a clean driving history; to get a good reasonable insurance rate. If you’re in the populated areas, you will be paying high insurance charges. The insurance rate is depended on factors like driver’s age, weather condition, population, accident rates in the city, the number of uninsured motorists, and driving history. All these factors determine whether your insurance rate will be high or low. Check out NAIC ratings before taking a policy. Compare different insurance companies and go with reputed insurance providers. Avoid taking policies with companies that are providing cheaper rates rather go for companies that you can trust and have strong financial stability.