When it comes to auto insurance, it’s not about just finding coverage; it’s about finding the right coverage. Having a policy that fully meets your needs can provide you with security and peace of mind in knowing that your insurer has your back after a collision or other covered event. The policy you choose today is the safety net you fall back on when faced with vehicle repairs and liability expenses in the future.
While it’s true that drivers in Arizona are required to carry insurance coverage, we know that auto insurance is more than an obligation – it’s a necessity. Having a bare bones policy may meet legal standards, but it cannot hold up when you need it most. That is why we are committed to working one-on-one with our customers to find auto insurance that fills in the gaps that others leave behind. After all, you work hard to create the life you deserve. Why put it all at risk with the wrong auto insurance coverage?
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.
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.
Total Arizona Car Insurance Solutions
At Harnish Insurance Group Agency in Mesa, Arizona, we are proud to be a locally owned and family operated agency. Our goal is to provide quality insurance that delivers on both value and practicality. We built our business on the belief that customers always come first. In keeping with our promise, we offer a wide range of personal auto insurance coverage types from many of the state’s leading insurers.
Liability is a legal requirement for Arizona drivers, but the state minimum coverage only covers $10,000 in repair or replacement costs and $15,000 per person for bodily injury. We can offer liability coverage with better limits that are designed to fully cover the losses you cause others in an at-fault accident.
Collision coverage pays to repair or replace your vehicle when you are involved in an accident. Whether you sideswipe a guardrail or crash into another vehicle, collision can help get you back on the road fast.
Did you wake up one morning to find your car vandalized? Perhaps it was damaged in a storm. Comprehensive is catch-all coverage that helps protect you from non-collision related damages.
Other Types of Arizona Auto Insurance Coverage
In addition to liability, collision and comprehensive auto insurance coverage, we can also offer protection for the small details and unusual circumstances that you might face on the road. For example, imagine being the victim of a hit-and-run accident. Authorities never find the guilty driver, leaving you responsible for your own vehicle repair or replacement costs. Furthermore, you might also find yourself with other bills, such as your towing charges and the cost of a rental car while your vehicle is being repaired. Add to that any personal injury medical expenses, and you could be out thousands without the right coverage. At Harnish Insurance Group Agency, we can help you find an auto policy that includes:
- Uninsured and underinsured motorists
- Personal injury protection
- Towing and roadside assistance
- Rental car reimbursement
Our team can also discuss ways of making your insurance more affordable. We can help find money-saving auto insurance discounts for drivers who meet certain requirements. Safe drivers, good students, and people who combine coverage types with the same insurer are just a few examples of customers who often qualify for discounted premiums. Talk with your agent about the types of auto insurance that may be right for you and which discounts you might qualify for.