Auto Insurance Protection with Additional Coverage: Although a policy consisting of the minimum liability limits may satisfy the requirements needed to be met to legally operate a motor vehicle, these limits may not always be enough to fully compensate another party for injuries and/or property damage. As motorists look to obtain car insurance, one of the most common pieces of advice that is given by industry professionals is to consider raising liability limits. In many cases, the minimums may not be enough to cover expenses arising from certain incidents. For example, if a policyholder were to strike a building, the amount of damages would likely exceed $10,000 and could leave an insured that is carrying the minimum property damage liability limit paying for any remaining amount due for repairs. Raising this coverage can be done with a minimal increase in premium and is worth taking into consideration.

In addition, motorists have other options to protect against having to pay for excessive costs out of pocket. A very popular add-on to vehicle policies is Comprehensive and Collision coverage to insure vehicles for physical damage. The cost of this additional protection is dependent on many factors, which include the type of vehicle and driver being insured, but it is recommended that motorists who are financing vehicles or own one of significant value consider purchasing this option to assist in paying for the repairs or replacement of vehicles. The Arizona Consumer Guide to vehicle Insurance offers explanations of the types of optional coverage, which consumers may want to refer to when choosing a personal vehicle policy to help ensure necessary risks are protected.