The summer seems like a safer time to drive in the Phoenix area, because many people become “sunbirds” and “fly” to cooler destinations. It also may be tempting, especially when income sources dry up, to get quotes for only minimal auto insurance coverage with cheaper rates. After all, Phoenix, Arizona hardly ever has rain or other dangerous road conditions. Like many transplants from the Midwest like to say, you don’t have to scrape the heat from your windshield. The danger here is harder to see, like the mirage of heat waves that rises from the scalding blacktop.
The danger in Phoenix, Arizona is the well documented primal human reaction to rising temperatures. Lower rates of cars on the road due to university students and snowbirds being gone for the summer isn’t enough to eliminate the irritability and sometimes even rage felt by a heated driver. Cheaper auto insurance does not always cover the damages from a driver such as this, who makes irrational decisions on the road due to emotional distress caused by excessive heat. When getting quotes for lower auto insurance rates in Phoenix, keep in mind that the summers are severe and often four or five months long. In these kinds of conditions, the mental states of some drivers on the road should not be trusted, and your auto insurance coverage should reflect this possibility.