Auto Insurance
Without the Guesswork.
The Policy Matters More Than the Price
A lower premium does not always mean you found the better policy. I look at how your liability limits, uninsured motorist protection, deductibles, rental coverage, glass coverage and driver setup work together so you can understand what you are actually buying.
Then we compare the price.
What Auto Insurance Can Cover
The exact coverage depends on your policy, but these are some of the major pieces I review when looking at an Arizona auto policy.
Liability
Helps protect you financially when you are legally responsible for injuries or property damage caused to someone else.
Uninsured & Underinsured Motorist
Can help protect you when the driver who causes the accident has no insurance or not enough insurance.
Comprehensive
Typically covers certain losses outside of a collision, such as theft, vandalism, weather damage and other covered events.
Collision
Helps pay for covered damage to your vehicle when it is involved in a collision, subject to your deductible.
Rental & Roadside
Optional coverage can help with transportation after a covered loss or assist when you need roadside service.
Glass & Other Options
Depending on the carrier and policy, additional options may be available for glass, medical payments and other needs.
Common Auto Insurance Gaps
The legal minimum and the amount you may actually want protecting your income and assets can be two very different things.
Your liability protection and the protection available to you after being hit by an uninsured or underinsured driver may not be structured the same way.
Rental reimbursement often has daily and maximum limits. Those limits matter when repairs take longer than expected.
Teen drivers, household members and regular vehicle users can create problems when the policy does not accurately reflect who is driving.
A deductible may lower the premium, but it still needs to be an amount you are comfortable paying after a loss.
Older vehicles are worth reviewing periodically to decide whether comprehensive and collision still make sense for the vehicle and your situation.
Minimum Coverage Is Not Always Enough Coverage
Arizona requires drivers to carry liability insurance, but meeting the minimum requirement does not automatically mean the policy provides the level of protection you want.
Arizona Auto Insurance Questions
These are some of the questions I regularly help clients work through when reviewing an auto policy.
What does “full coverage” actually mean?
“Full coverage” is not one specific insurance coverage. People usually use the phrase to describe a combination of liability, comprehensive and collision, but the actual limits and optional coverages can vary significantly from policy to policy.
How much liability coverage should I carry?
That depends on what you need to protect. The state minimum is a legal starting point, not necessarily the amount that makes sense for your financial situation.
Should my uninsured motorist coverage match my liability limits?
It is worth reviewing. Liability protects other people when you are responsible for a loss, while uninsured and underinsured motorist coverage can help protect you when the responsible driver does not have enough insurance.
Do household and teen drivers need to be listed?
Household members and regular drivers should be discussed with your agent. Different carriers can handle drivers differently, and failing to properly address a regular driver can create complications.
Does my auto insurance cover a rental car?
Your personal auto policy may extend certain coverages to a rental vehicle, but that does not mean every expense or obligation in the rental agreement is automatically covered.
Can the exact VIN change my insurance price?
Yes. Two vehicles that appear nearly identical can still produce different insurance pricing because carriers rate the specific vehicle information associated with the VIN.
Should I call my agent before filing a claim?
When there is no emergency, talking through the situation first can help you understand your deductible, the type of loss and whether filing the claim makes sense before you move forward.
Not Sure What Your Auto Policy Actually Covers?
Send me your current declarations pages. I’ll review the limits, deductibles, drivers and optional coverages and tell you what I see. If your current policy already makes sense, I’ll tell you that too.