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.
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.
