Phoenix, AZ Auto Insurance

Collision Insurance – Pays for damage caused to your vehicle in an auto accident.  Collision coverage usually also comes with a deductible. The deductible is the amount of money you pay toward repairs before your collision insurance coverage begins paying. The higher the deductible you’re willing to pay, the lower the premium.  Although it’s not legally required by The State of Arizona, most banks will likely require this coverage if your vehicle is financed or leased.

Comprehensive Insurance – Covers damage to your car in some way other than a collision, such as if it were stolen, vandalized or catches fire.  Flood, windshield damage  are events usually covered by comprehensive auto insurance. Although it’s not legally required by The State of Arizona, most banks will likely require comprehensive coverage if your vehicle is financed or leased.

If you own a vehicle, you need auto insurance. Were you aware that when you register a vehicle in The State of Arizona, you must insure it under the Arizona Mandatory Insurance Law.

Arizona Minimum Auto Liability coverage – pays for injuries you cause others or for damages to their property.

As of July 1, 2020, Arizona State Minimum Auto Coverage liability limits increase to:

• Minimum $25,000 bodily injury per person and $50,000 bodily injury per accident
• Property Damage – $15,000 minimum property damage.

*While this is the Arizona State Minimum, we suggest our clients protect themselves by maintaining higher auto insurance limits.