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Cheap Auto Insurance in Phoenix, AZ 85021

Phoenix is the capital of Arizona and the sixth most populous city in the United States. Known for its beautiful landscapes, Phoenix is the cultural center of the American Southwest.

Inhabited by Native Americans hundreds of years previous on the Salt River Valley, Phoenix was first visited by settlers during the late 19th century. Jack Swilling first organized an irrigation canal company to help turn the valley into farmland.

By 1868, a small colony was formed and after a couple of name changes, the settlers agreed on the name Phoenix, to recognize that the town had sprung up from a former civilization. In 1881, Phoenix was incorporated as a city.

With the establishment of railroads towards the end of the 1880s, it grew both the city’s economy and population. It also became a trade center where railroads distributed goods from Arizona to the Midwest and East Coast.

After World War II, Phoenix experienced another population and economy boom as tech companies, such as Motorola and Intel moved into the area.

Phoenix attractions include: Camelback Mountain, Desert Botanical Garden, Phoenix Art Museum, Heritage Square Dining, Old Town Scottsdale and Frank Lloyd Wright’s winter home, Taliesin West.

Phoenix is one of 13 U.S. cities to have professional sports teams from all four major sports organizations. These include the Cardinals (NFL), Diamondbacks (MLB), Suns (NBA) and Coyotes (NHL). The Diamondbacks and Suns play within city limits. Phoenix is also home to the Cactus League, a spring training league for 15 MLB teams.

Phoenix Driving Conditions

Phoenix has a subtropical desert climate. The annual high temperature is 86.7 degrees and the annual low temperature is 63.6 degrees. Summers are long with extremely high temperatures, while winters are short and warm. Phoenix does have a monsoon season from June to September, which causes heavy rainfall, high winds and dust storms.

Though Phoenix is not known for major traffic issues, the city does have problems with construction and congestion.

Crime Statistics

According to the 2015 Crime in the United States report, Arizona had 207,107 accounts of property crime and 16,785 accounts of vehicle theft. Within cities and metropolitan areas in Arizona, vehicle theft was reported 16,097 times.

Arizona Driver’s Licence

As a legal resident of Arizona, you’ll need to obtain an Arizona driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are not required to take a knowledge or skills exam.

Seat Belt Laws

Arizona law requires the use of safety belts where they are installed, meaning all passengers in the vehicle must be buckled up. Fees may be applied for seat belt violations.

Drivers operating a motor vehicle when transporting a child who is under 5 years old must have them in a safety seat or booster seat.

Cell Phone & Texting Laws

In Arizona there is no prohibit on cell phone use or texting while driving.

Currently, bills have been proposed in Arizona state Legislature to create bans against texting while driving. Arizona is one of four states without a texting ban.

Odd Law

In Glendale, a car cannot be driven in reverse on the road.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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Reviews
  • I have been working with Wendy Heazlit the last few days regarding my auto insurance policy and starting a new renters insurance policy. She has been wonderful and on top of it! I'm moving this weekend and she has lifted so much stress off of my shoulders! I don't know what I would do without her help! I love that I'm able to call or even better contact her through email and know that she's there! She is GREAT and it's because of her reaching out to me every once in awhile to discuss my auto policy and just my life changes that I couldn't even imagine my policies with any other company or agent!

  • Rebekah Has picked up a problem with AUTO insurance for our son, an Arizona resident ..We live in No CA. We have had State Farm ins for everything for 40+ years. She did a great job in resolving the AZ auto insurance issue. Very prompt, helpful and responsive.

Reviews
  • I talked to a agent to add someone to my policy and needed verification of insurance for a job offer and was told I would be emailed verification so I could show my job well guess what I didn't receive anything and since they close at 5 I couldn't get down there it sucks you get penalized for being late and they say they are there for you but when you need them they are nowhere to b found

  • Great, honest service! I have been a client of Wes Stahler for over 15 years. He has ALWAYS looked out for my best interest and the best interest of my family as my insurance needs have changed over the years. He genuinely cares for his clients and puts them first. He and his staff are easy to contact and respond quickly. He will give you honest quotes and the best prices possible. I have my life insurance, auto, home and health insurance all with Wes and feel confident that Wes and State Farm are on my side. Don't hesitate to call!