Why Choose AZ Insurance Shop For Your Auto Insurance?
Below are just a few reasons why you should get your Arizona auto insurance with us:
Are You Carrying The Proper Amount Of Arizona Auto Insurance?
Currently Arizona mandatory insurance must be equal to or greater than $15,000 of liability for each person and at least $30,000 for all the people you may injure in an accident where you are at fault. The minimum insurance requirement also calls for at least $10,000 for all of the property you may damage in an accident where you are at fault. Keep in mind this insurance protects other people and their property, not you, your passengers, or your vehicle. Be sure to discuss your specific needs and concerns with your insurance agent. You may need or want to carry more insurance than the state of AZ requires.
Common auto insurance definitions.
Liability is when your insurance policy will pay for the other person’s damage if you were to hit them but would not cover the damage done to your vehicle. You don’t receive as much coverage but this is the cheaper form of coverage
Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and rockslides on twisting mountain roads.
When your vehicle is damaged in an accident, collision insurance is an optional coverage that pays the cost of repairing or replacing it, minus the amount of your deductible. Collisions can involve another vehicle or an object, like a guardrail or a tree.
Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. Underinsured motorist coverage, on the other hand, steps in when you’re in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.
Medical payments coverage generally pays for medical costs after you are hurt in a car accident, regardless of who is found at fault for the accident. Additionally, medical payments insurance may help pay for funeral expenses and injuries sustained by your passengers.
Rental reimbursement (or rental car coverage) is a type of optional car insurance coverage that helps pay for the cost of a rental car while your vehicle is being repaired after a car accident or after suffering damages that are covered through your car insurance policy.
Towing and labor coverages and limits are different for each carrier that offers towing and labor coverage, but typically, it pays the cost of towing your car to a repair shop when it is unable to be driven and covers a specified amount of necessary labor charges at the place of the breakdown.
Full glass coverage pays the amount of a covered glass loss with no deductible. Full auto glass insurance coverage is optional on your auto insurance policy and can be purchased for an additional premium.
GAP insurance is the difference between the actual cash value of a vehicle and the balance still owed on the financing (car loan, lease, etc.). GAP coverage is mainly used on new and used small vehicles (cars and trucks) and heavy trucks.
Do You Qualify For Discounts?
You may be eligible for discounts on your auto insurance policy.
Be sure to discuss these discounts with when you give us a call: