If you’ve got the wheels and a license, the options are limitless when it comes to travel. Whether you use your vehicle to commute to work, take cross-country road trips, or even venture outside the U.S. border, make sure your auto insurance has you covered mile for mile. At All Arizona Insurance, we offer competitive rates on quality protection for you and your vehicle wherever the road may lead.
Arizona Auto Insurance Coverage
For Arizona drivers, auto insurance is not an option; it’s a responsibility. Having the right coverage not only helps you maintain compliance with legal and lender requirements, but it could also spare you tens of thousands of dollars or more in damages – all with minimal cost to you.
Your car insurance policy will likely include several different types of coverage. All of them are designed to protect your financial interests in the event of a collision or other covered event. At All Arizona Insurance, we can help you select the coverage types and amounts that minimize your financial vulnerabilities and protect you against loss both now and in the future. These may include:
Bodily Injury and Property Damage Liability
If you are the at-fault party in a car accident, you are responsible for compensating victims for the damages they incur. This includes property damages, as well as medical bills, lost wages, and other expenses stemming from accidental injuries. Both types of liability insurance are mandatory in Arizona, although we typically recommend purchasing the maximum available liability coverage to protect your income and assets against expensive litigation.
If your vehicle is damaged in a collision, how much would it cost to repair it? Worse, could you afford to take a total loss on your vehicle and replace it with a new one? With collision insurance, you could be compensated for the loss or repair of your vehicle minus the cost of your deductible when your car is damaged in an accident or rollover.
If your vehicle is damaged by an event other than collision, comprehensive coverage can help foot the bill for repairs or compensate you for the value of your loss. This could include damages caused by hail storms, theft, vandalism, run-ins with wildlife, and more. Like collision claims, the claims you make against your comprehensive coverage are also subject to a deductible.
If you are the victim in a car accident, you can pursue the at-fault driver for compensation of damages. If the driver is uninsured, however, you may need to file a claim against your own uninsured motorist insurance coverage to recover your losses instead. Likewise, underinsured motorist coverage can compensate you for damages when an at-fault driver’s liability insurance falls short of covering your costs.
Regardless of who is at-fault for an accident, it is important that you get the medical attention you need as soon as possible. Medical payments coverage provides limited payment for necessary medical expenses when you or your passengers are injured in an accident, regardless of fault. Although you can still pursue an at-fault driver for compensation of your losses, medical payments coverage can help pay for your immediate costs, such as co-pays and health insurance deductibles.
Roadside Assistance and Towing
If your vehicle sputters to a stop on the side of the road, it helps to know that help is just a phone call away. Roadside assistance and towing coverage can help pay for labor charges when you need fuel delivery, a tire change, locksmith services, and more. It can also cover towing charges to the nearest mechanic shop (up to the limits of your policy).
Rental Car Coverage
While you are waiting for the body shop to restore your damaged vehicle after an accident, rental car coverage can help pay for your temporary transportation needs with rental car reimbursement.
Discounts and Savings
Working with an independent agent here at All Arizona Insurance means you will have access to auto insurance quotes from multiple companies – not just one. With several different options to choose from, it is easy to find affordable rates without sacrificing the quality of your insurance protection.
In addition to helping you shop around, we can also help you identify discounts that could help you save money on car insurance. For example, you could drive down the cost of your premiums by having a clean driving record, taking a driver safety education course, or combining your home and auto insurance with the same insurer. Sometimes discounts are also available to drivers who pay their premiums in full or to teen drivers who maintain good grades in school.
Car Insurance for Mexico
Being close to the border, some Scottsdale area residents find themselves venturing into Mexico from time to time. Before you go, be sure to meet with an agent here at All Arizona Insurance to discuss your coverage options outside the U.S. Like the States, Mexico requires drivers to have insurance to operate a motor vehicle. Without it, you could be detained by authorities until you can provide financial restitution for any damages or injuries you cause. Since typical U.S. auto insurance does not cover travels in Mexico, you’ll need an insurance policy that is specifically tailored for those needs.
To get a quote on Mexico car insurance, be ready to provide your:
- vehicle’s registration
- license plate number
- VIN number
- current insurance information
- travel dates
- make, model, and year of your vehicle
We can help you find a policy that pays for bodily injury and property damage liability, as well as U.S. repairs to your own vehicle. Mexico auto insurance can also include coverage for your own injuries, emergency roadside assistance, and legal assistance if necessary.
To find out more about how an independent agent can help you save on auto insurance here and abroad, contact our office to request your free quotes today.