Looking For Auto Insurance?
Why Choose AZ Insurance Shop For Your Auto Insurance?
That’s easy to answer. We are an independent insurance broker and work for you rather than the insurance company. This means we don’t sell, or work, for one auto insurance company. We partner with various insurance companies to bring you the best rates! The State of Arizona has a minimum requirement when it comes to auto insurance. We listen to our clients to find out what coverage they want or need. Some lien holders even have requirements when you are making payments on your auto loan. Once we obtain this information we get to work finding you the best price by shopping for you. We look at insurance companies that fit within your needs along with the best price.
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:
When you have more than one insurance policy, you can easily manage all your policies in one place. Additionally, multiple insurance policies help you save money on your monthly premium since the insurance company is managing more assets for you. Ask about the discounts you can get for bundling: Auto and home policies.
An accident–free discount is a discount on insurance payments that is available to drivers who have no accidents where they are at fault over a particular period of time.
The multi car discount is probably one of the most common car insurance discounts. It is simple getting the multi car discount because it is basically fool proof. If more than one vehicle is on a single policy, the multi car discount is automatically applied.
One quirky discount offered by lots of insurance companies is the advanced quote discount. Preferred insurance carriers are looking for responsible drivers to insure. Insurance carriers reward drivers with a discount for responsibly shopping for insurance ahead of time.
A good student discount is exactly what it sounds like; it rewards students financially for doing well in school. Because statistics show that students who get good grades are less likely to get into a car accident, car insurance companies see them as lower risk and, in turn, offer savings on their rates. What defines a good student varies between carriers. Be sure to mention your grades when calling in.
Insurance companies give home owners lower rates because they exude stability. Home ownership requires a lot of responsibility. Insurance companies are looking for responsible people to insure because a responsible person is less likely to cause an accident or file a claim.
It is very easy to get this discount. If you make your monthly payments via an automatic electronic fund transfer (EFT) from a bank account, then your rate will be decreased by 0.25%.
Instead of making scheduled installment payments, you can conveniently pay your entire premium at the beginning of the policy term and experience instant savings.
Anti-theft device discounts are for factory-installed deterrents, and in some states, you can get a discount for devices that are installed after you purchase your car. Savings vary based on the type of device installed, your insurance company, and the state where you garage your vehicle.
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