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.
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.
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.
