What do you drive? Whether you spend your days behind the wheel of a flashy sports car or rocking the family minivan, you rely on your vehicle to get you from Point A to Point B. You also rely on your auto insurance to keep you, your passengers, your assets, and your vehicle safe while you are using your car. Having the right coverage is essential for minimizing the risks that come with driving and owning a vehicle. At Neeley Insurance, our team can help you better understand the different types of coverage available and assist you in building and selecting an affordable policy from one of Arizona’s leading insurance carriers.
Car Insurance FAQs
How much auto insurance do I need in Arizona?
The Arizona minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Arizona, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $15,000 per accident for Property Damage Liability Coverage.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, personal injury protection or medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
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.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Types of Arizona Auto Insurance Coverage
All states require drivers to have certain levels of financial responsibility – usually in the form of car insurance. In Arizona, some coverage types are mandatory, and some are optional; but all of them play an important role in protecting your best interests should an accident or other event leave you facing a major loss. Some of the types of car insurance coverage available in Arizona include:
Liability Insurance
This type of insurance is required by the state for both property damage and bodily injury liabilities. Though Arizona maintains a minimum standard for coverage, these levels are often too low to adequately protect you from a lawsuit. Our team can show you how to protect your income and assets with the right amount of liability protection for you.
Uninsured and Underinsured Motorist
Though you can formally reject these types of coverages in Arizona, they can prove very useful if you are ever hit by an uninsured driver or a driver who does not have enough coverage to pay for your losses as a victim.
Medical Payments Insurance
The medical payments portion of your auto insurance policy helps pay for medical and funeral expenses if you or your passengers are injured in an accident – regardless of who is at-fault. Even if you have health insurance, you can use medical payments insurance to help cover your co-pays and deductibles after an accident.
Collision Insurance
If you are like most Arizona drivers, you consider your vehicle a priceless investment that works hard for your family. Unfortunately, accidents can happen in the blink of an eye. If you are suddenly in a collision, could you afford to repair or replace your car? Collision insurance helps cover your vehicle against damages incurred in a collision; you need only pay your deductible.
Rental Car Coverage
You will need alternative transportation while your vehicle is being repaired or replaced after an accident. Rental car coverage helps reimburse you for the cost of temporary transportation in the days following your accident.
Comprehensive Insurance
From cracked windshields to fallen tree limbs, a lot of things could threaten your vehicle besides a collision. These are the types of things that are outside of your control and could happen whether you are driving or storing your vehicle at home. You pay your deductible, and your comprehensive insurance can help pay for repair or replacement of your vehicle after a wide range of events, from fire or storm damage to theft and vandalism.
Roadside Assistance
Don’t leave home without a backup plan in case of a mechanical failure or some other roadside emergency. This type of coverage can be there for you day or night when you need fuel delivery, a flat tire, locksmith services, or even a tow.
Affordable Auto Insurance in Arizona
At Neeley Insurance, we aim to uncomplicated auto insurance for our customers and help you find quality coverage at an affordable price. We will shop around on your behalf to find the most competitive rates on the coverage you need. We can also show you how to qualify for important discounts, including:
- Multiple policy discounts
- Multiple vehicle discounts
- Driver safety education discounts
- Good student discounts
- And more!
For more information about Arizona car insurance, contact the team here at Neeley Insurance to request your free quote today.
