Your car serves many purposes. From your daily commute and summer road trips to providing a place to quietly eat and get some work done on your lunch break, you probably spend many hours each week behind the wheel. It makes sense, then, that you would want insurance that provides complete coverage solutions for you and your vehicle no matter where the road may lead.
At Maki Insurance Group, offer Arizona auto insurance coverage from multiple insurers. As an independent agency, we are committed to serving your needs – not the insurers. When you shop through us, you can comparison shop with several of the state’s leading insurers while enjoying the support and guidance of a knowledgeable, local agent. Our goal is to look out for your best interests by providing you with quality, comprehensive protection at affordable and competitive prices.
Arizona Vehicle Insurance Options
You have many options when it comes to your car insurance. We know how overwhelming it can be to figure out what is – and is not – covered by your policy. At Maki Insurance Group, we can explain the differences in coverage types, and help you determine which ones and how much you may need to safeguard your vehicle, income, and assets against loss.
Collision and Comprehensive
You may be required to purchase this insurance if you leased your vehicle or financed its purchase and have not yet paid it off. Even if you are under no lender requirement to purchase this coverage, it is still recommended to help protect your investment in your car and compensate you if it is damaged in an accident or other covered event. Collision insurance generally covers damages caused by collisions and rollovers, and comprehensive takes care of nearly everything else, from fires and theft to the type of unusual incidents you would have to see to believe. Note that claims against your collision and comprehensive insurance are subject to the deductible you choose when you purchase your policy.
Liability
This type of insurance is mandatory for all Arizona drivers, as it helps cover third-party injuries and property damages when you are at-fault for an accident. The state has a minimum coverage requirement, but we typically recommend higher limits to better protect against the high-cost of litigation. If you are sued for multiple injuries after a collision, your legal fees, court costs, medical liability and other financial responsibility can add up quickly. Without adequate coverage limits, you may have to pay for excess damages out-of-pocket, depleting your savings and financial assets.
Uninsured and Underinsured Drivers
Bad things happen when people do not follow the rules. When it comes to liability insurance, drivers who fail to purchase coverage put their victims in jeopardy of loss after an accident. If an uninsured driver injures you, your uninsured motorist coverage can help cover the costs you might otherwise have to pursue compensation for via a lengthy litigation process that may or may not result in recompense. Underinsured motorist coverage provides similar protection; only its benefits are paid when an at-fault driver has too little coverage to pay for your losses.
Medical Payments (You and Your Passengers)
When accidents happen, the first step is seeking necessary medical care for yourself and any injured passengers you may have been carrying. Medical payments insurance provides coverage for medical care after an accident – usually with limits of a few thousand dollars. This coverage is considered no-fault protection, meaning you can file a claim regardless of who is responsible for the accident.
Towing and Roadside Assistance
Nobody has time for a roadside breakdown, but you never know when a dead battery or flat tire could interrupt your day. Talk to your agent about adding coverage to your policy that pays for roadside assistance and the cost of towing your vehicle to the nearest repair shop when necessary.
Rental Car Expenses
When collisions happen, the repair process can take many days. If your vehicle is totaled, it could also take a while to receive compensation from the insurance company so that you can begin your search for a new car. During this time, your auto insurance rental car reimbursement coverage can help cover the cost of renting a car as a means of temporary transportation.
Affordable Arizona Auto Insurance
We know what Anthem area drivers expect from their auto insurance – quality and affordability. We aim to deliver on those standards with the added benefit of hometown, personalized service from an independent agency you know and trust. Contact us today to find out more about how we can help you save on your auto insurance. We can shop and compare rates, as well as look for discounts that can reduce the cost of your coverage. Savings vary from insurer to insurer, but discounts may be available if you:
- Insure multiple vehicles on the same policy
- Purchase additional coverage lines, such as homeowners insurance
- Complete an approved driver safety education course
- Pay your premiums in full
- Enroll in automatic payments and renewal
- Have a teen driver with good grades
- Drive less than the average driver
- And more
We invite you to ask us questions about your coverage options and learn about the ways we can provide ongoing support to you as our client for years to come. To request your free quotes or an in-person insurance consultation, contact our office today. We look forward to serving you.
