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Actually, the "liability" is the driver, not the car. Wreck one car 10 times or 10 cars once each is the same exposure to the insurance company.
Collision is pretty much the same deal. Of course, you would wreck all your cars simultaneously which would violate the "one-at-a-time" restriction.
Comprehensive probably should be a multiple of the number of cars since they could ALL be stolen or destroyed at once.
It appears that AZ has both policy types. Here is something I found from a court case on the internet:
"Motor vehicle liability policies issuable in Arizona under A.R.S. § 28-1170, as amended, of the Safety Responsibility Act fall into two general categories: an `owner's policy' and an `operator's policy.' * * * In utmost brevity, an owner's policy insures the owner of a specified vehicle or vehicles against liability arising out of their use, while an operator's policy insures the person in the act of operating."
So we have Owner's and Operator's insurance.
If you look at Owner's, it is clearly setup for someone who lets other people drive their car which is the big rip off when you have to buy this kind of insurance and you are the only person in your household who will drive any of your cars.
It is really like a state mandated socialism to protect anyone who might drive your car.
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