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NOTE:
The auto insurance rates and information above come from the Arizona Department of Insurance Automobile Insurance 2010 publication on their website. The purpose of the Arizona Department of Insurance (ADOI) publication is to encourage consumers to do some
comparison shopping for automobile insurance before making a purchase. The ADOI based the premiums in this
publication on hypothetical situations, so as to provide an example of the available premium range among insurers.
Although actual premiums may vary according to the particulars of an actual application, the wide premium range shown
herein evidences that a competitive market exists and that a consumer, under average circumstances, can save money
by comparing one insurers premiums against anothers. For more details and explanation, go to the Arizona Department of Insurance website
Hypothetical 1: Unmarried male, age 18, drives 15 miles each way to work. He drives a 2010 Ford F150 XLT, 4x2, two-door pickup, regular cab, 8 cylinders. He has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 2: Unmarried male, age 18, drives 15 miles each way to work. He drives a 2010 Ford F150 XLT, 4x2, two-door pickup, regular cab, 8 cylinders. He has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 3: Unmarried female, age 18, drives 15 miles each way to work. She drives a 2010 Ford F150 XLT, 4x2, two-door pickup, regular cab, 8 cylinders. She has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 4: Unmarried female, age 18, drives 15 miles each way to work. She drives a 2010 Ford F150 XLT, 4x2, two-door pickup, regular cab, 8 cylinders. She has a clean driving record for the last three years and no credit history.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 5: Married couple; age 42; each drives 15 miles each way to work, has a clean driving record for the last three years and a median (average) credit score; wife drives a 2010 Ford Taurus SEL, four-door sedan, automatic; husband drives a 2008 Ford Explorer, XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 6: Married couple; age 42; each drives 15 miles each way to work, has a clean driving record for the last three years and a median (average) credit score; wife drives a 2010 Ford Taurus SEL, four-door sedan, automatic; husband drives a 2008 Ford Explorer, XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 7: Married couple; age 42; each drives 15 miles each way to work and has a median (average) credit score; wife has a clean driving record for the last three years and drives a 2010 Ford Taurus SEL, four-door sedan; husband had one at-fault accident in 2009 and drives a 2008 Ford Explorer XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 8: Married couple; age 42; each drives 15 miles each way to work and has a median (average) credit score; wife has a clean driving record for the last three years and drives a 2010 Ford Taurus SEL, four-door sedan; husband had one at-fault accident in 2009 and drives a 2008 Ford Explorer XLT, 4X4, four-door, 8 cylinders.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 9: Married couple - male age 81 and female age 80. Both drivers have a clean driving record and no credit history. Premiums shown are six-month premiums as of September 1, 2010. Complaint Ratio (CR)
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 10: Married couple - male age 81 and female age 80. Both drivers have a clean driving record and no credit history. They drive a 2010 Ford Taurus SEL, four-door sedan, automatic, for pleasure use.
Coverages & Limits: Combined single limit liability of $300,000 or split limits of $100,000/$300,000 BI and $50,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision.
Hypothetical 11: Unmarried female; age 41; rides bus to work. She has a clean driving record the last 3 years, a median (average) credit score and drives a 2010 Ford Taurus SEL, four-door sedan, automatic, for pleasure use.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision
Hypothetical 12: Unmarried female; age 41; drives 15 miles each way to work. She has a clean driving record the last 3 years, a median (average) credit score and drives a 2010 Ford Taurus SEL, four-door sedan, automatic.
Coverages & Limits: Combined single limit liability of $40,000 or split limits of $15,000/$30,000 BI and $10,000 PD; medical payments of $5,000; UM and UIM Limits same as liability; $250 deductible comprehensive; $500 deductible collision
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