If you own a car, you need auto insurance. Because when life doesn't go as planned, the right insurance coverage can be the difference between a bad day and a serious financial setback.
Don’t know what type or limits of coverage you need? No worries - that's our job! One of our experienced agents will compare dozens of insurance providers to find you the best rate on the right auto insurance coverage. And, as local agents, we’re here to provide you with stellar service after the sale as well. It’s quick and easy make the switch to Choice Agents so, when you hit the road for that perfect night out, road trip, camping spot, golf course or hiking trail, you can feel confident that you, your loved ones and your pockets are properly protected.
A car insurance policy is essentially a contract between you and your auto insurance company. You pay a premium at a regular interval and the insurance company is legally responsible to cover damages that your policy covers. Auto liability insurance is required by law and protects you by paying for damage or injury you cause others while driving your car. Physical damage to your car caused by collision and certain other occurrences such as fire, theft and vandalism is covered by comprehensive and collision coverage which are optional, along with roadside assistance, rental car reimbursement, gap and new car replacement. However, if you have a car loan, your lender might require comprehensive and collision coverage.
As local, independent agents, we work for YOU, finding you the best possible rate for the right coverage. As authorized agents of Insurance Professionals of Arizona, we compare dozens of companies to find you the best options for home, auto, business and life insurance in many states. We're proud to work only with A-rated carriers so our clients can expect outstanding financial strength and superior claims service to help protect what they value most. And with over 6 decades of combined experience, you can count on the most informed advice and stellar service!
Switching is easy. We handle most of the paperwork for you, make sure you avoid any gap in coverage and help you transition without making double payments. We’ll even draft a cancellation letter for your prior policy, instructing that company to send you any applicable pro-rated refund. We just need some basic information to get started!
Most people believe that state minimum liability coverage is the least expensive option when it comes to auto insurance, but that is not always true. People who carry higher liability limits often pay lower premiums. Also, in the event that you’re the responsible driver in an accident that caused serious injuries and/or damage, you’d be responsible for costs that exceed your coverage. That’s certainly not the cheapest way to go! One of our agents can review your information, check for discounts and compare multiple insurance providers to find you the best rate on coverage that’s right for you. Click here to get started or call us at 520-244-5078.
Put simply, the best insurance policy is one that fits your needs. An independent insurance agent can help you compare options from multiple carriers, and provide expert guidance to help your make an informed decision.
No! In fact, an independent agent, one that represents many insurance companies, can often save you money and their service is FREE! The rate is normally no different if you buy from a knowledgeable, local, independent agent who cares about your business than if you buy from a call center or a website.
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
It depends on your auto insurance policy and the type of vehicle you’re renting. Most policies will extend the highest level of coverage on your policy to a rented vehicle. However, in the event of an accident in a rented vehicle, the rental company may charge you for expenses that are not covered by your auto insurance policy. We’re happy to review your policy and help you make an informed decision. Give us a call!
Coverage Requirements vary by state, but usually include the following:
Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.
Personal Injury Protection (no-fault coverage): This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.
Medical Payments: This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash.
Collision Insurance: This type of coverage protects your vehicle from damages that result from an accident with another vehicle or with other objects on the road. If your vehicle is in a car accident, the insurance will pay for repairs or if the car is totaled will cover the cost to replace it, up to the fair market value of the vehicle. Collision coverage usually comes with a deductible (the amount you pay before the insurance policy does). The higher the deductible, the less collision coverage will cost.
Comprehensive: This type of coverage protects your vehicle from damages that are a result of things other than a collision. For instance, if your radio was stolen and the burglar broke your window and ruined your dashboard, the auto insurance can cover your losses and fix the damage. Theft, flood, hurricane, windshield damage and fire are commonly covered by comprehensive car insurance. Although not legally required by any state, if your vehicle is financed you will probably need it.
Uninsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.
Underinsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.