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Your Guide to Buying a car in Arizona

While buying a car is generally the same no matter where you live, there are a few things to keep in mind if you’re planning on purchasing a vehicle in Arizona.

Car Buying Guide: Arizona

This guide will cover everything you need to know about tax, registration, and finding the cheapest car insurance in Arizona so you can hit the road as soon as possible.

Sales Tax

When you buy a car in Arizona, you must pay a 5.6% sales tax on the purchase price. However, if you plan on registering your vehicle in Maricopa County, you will also be required to pay an additional 0.7% tax for a total of 6.3%.

If the car you’re buying is being purchased from a private seller, it’s important to note that they are not required to collect sales tax on your behalf. In this case, it will be up to you to pay the taxes when you register your vehicle.

Registration

All cars driven on public roads in Arizona must be registered with the state. The process of registration is handled by the Motor Vehicle Division (MVD) of the Arizona Department of Transportation.

When you register your car, you will be issued a license plate and registration certificate, which must be kept in your vehicle at all times. The registration fee in Arizona is $8 per year for passenger vehicles.

Insurance

Arizona law requires all drivers to carry liability insurance with minimum coverage limits of $25,000 per person/$50,000 per accident for bodily injury, and $15,000 for property damage.

For more information on insurance requirements and rates in Arizona, contact the Arizona Division of Insurance. These requirements can vary by individual municipalities.

Steps to get the Best Price on Your New Car

Compare Available Cars to Fit Your Needs

Start your search by online comparing prices and features of different makes and models.  When you find one that meets your needs, visit dealerships to request a test drive and get an up-close look at the car’s condition.

Build a Budget

When purchasing a car, it’s easy to get caught up in the excitement and only include the purchase price or monthly payment into your budget. However, this is a mistake, as registration, insurance, maintenance, and fuel costs can quickly burn through your car budget.

Get Pre-Approved for Your Loan

Before visiting the dealership, get pre-approved for a car loan through your bank or credit union. This way, you’ll know how much you can afford to spend and will be able to negotiate a better price with the dealer.

Shop Around For the Cheapest Car Insurance

Once you have purchased your new car, finding the best insurance rates is essential. This can be done by comparing quotes from different providers to get the most bang for your buck.

Schedule a Test Drive

Once you’ve narrowed down your options, consider scheduling test drives to help you decide which car best fits your needs and budget.

When testing out a car, be sure to check for the following:

  • The overall comfort of the car
  • How smoothly it drives
  • If there is enough room in the backseat and trunk for your needs
  • Any signs of wear and tear that could indicate the car have been in an accident
  • If there are any strange sounds when you drive over a certain speed, under a certain speed, or on rough roads

Whether you’re buying a new or used car, getting the best deal in Arizona means being prepared and diligent throughout the process.

Let’s Visit Insurance for a Moment

In Arizona, it is mandatory for drivers to have car insurance. Car insurance protects drivers from financial losses in the event of an accident. It is a legal requirement to carry insurance at all times on your car, and most lenders require full coverage insurance if you’re financing your car.

To get a quote, start by visiting an insurance provider’s website. You will be asked to provide information about yourself and your cars, like your age, driving record, and vehicle details. You may also consider additional coverage options like collision or comprehensive insurance.

Once you have selected a provider, shop around for the best rates to ensure you’re getting the most value for your money. And don’t forget to regularly compare quotes from other providers so that you stay covered at all times!

A Routine Process

Buying a car in Arizona is pretty simple as long as you remember to budget for sales tax and registration fees. By following these simple guidelines, you’ll be behind the wheel of your new car in no time!

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