Why Did They Cancel My Arizona Car Insurance?

Why Did They Cancel My Arizona Car Insurance?

So you got up this morning, wandered downstairs to check the mail and found a notice from your Arizona car insurance provider letting you know that in ten days your insurance policy was going to be null and void and you were going to be left cruising the streets of Tucson without a penny's worth of coverage. Not a place any smart driver wants to be.

The question is, why did they do it? And what can you do to fix it?

There are many reasons for an Arizona car insurance provider to cancel an insurance policy, all of which are perfectly legit since Arizona believes in at will insurance. The most common reason for an insurance policy to be canceled is late payment on your bills. If you haven't been paying your premiums on time your insurance company is going to catch up with you sooner or later. They'll usually allow you to fall a month behind before cutting off your coverage, but they're not going to dawdle long once the next payment rolls around.

If you're behind on your payments to your insurer because your car insurance rates are too high, give them a call. The economic slump has left a lot of drivers struggling to pay their premiums, and Arizona car insurance agents are ready for that. They may be able to help you find more discounts you qualify for, raise your deductibles just enough to put your premiums back in your budget or trim the fat off your coverage. Remember, any car insurance coverage is better than the risk of driving with no insurance at all. If you can't afford all the bells and whistles, drop them for a while until you get back on your feet. Nobody's going to blame you for that.

The penalties for cruising without insurance, on the other hand, can get real nasty, real fast.

Did you tell the agent the truth, the whole truth and nothing but the truth when you bought your Arizona car insurance policy in the first place? If your insurance company finds out you lied about where you live, where you work, where you park your car at night or what you're using that car for, it's very probable that they're going to give you the boot. You may be able to call your agent up and grovel for forgiveness-especially if it was an honest mistake to begin with.

Too many tickets will put you on the fast track to a canceled insurance policy.

Finally, what's your driving record looking like these days? Arizona car insurance companies are all about relative risk. If there's a good chance you're going to plague them with claim after claim, they may decide they just don't want to go there. Repeated accidents, DUI/DWI or driving on a suspended license are all excellent ways to encourage your insurance company to bid you adieu. If that's the case it's probably time to start hunting for a company that specializes in high risk insurance. There are a few of them still out there.

What you need to remember is that your Arizona car insurance company wants to work with you. They don't want to lose your business any more than you want to lose your coverage. If you contact them as soon as possible to get things straightened out you've got a better chance of finding a solution that works for everyone than if you wait forever. Or threaten to sue them first.

Just a thought.

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