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Auto Insurance in Phoenix, AZ

For many people, their car is one of their most valuable assets. Because of this, it’s important to protect it from any of life’s unexpected incidents. One way to do this is through obtaining an auto insurance policy. Auto insurance is a contract between a policyholder and an insurance company. The policyholder pays a premium in exchange for the insurance company’s agreement to pay for losses as defined in the policy.

What Does Auto Insurance Cover?

Standard policies usually include the following:

  • Collision insurance can help cover the cost of damages if you are involved in a collision.
  • Liability insurance can help insure you against any damage you cause to a third party, including property damage and bodily injury.
  • Medical payments (MedPay) insurance can help you pay for the medical bills of you or your passengers if you are involved in an accident.
  • Uninsured/underinsured motor vehicle insurance can help you cover the cost of damages caused by someone who doesn’t have adequate coverage.
  • Comprehensive insurance can help cover damages that are not related to an accident, such as theft, weather damage or vandalism.

How Much Auto Insurance Is Enough?

Most states legally require all car owners to have auto insurance, but their exact policy requirements may vary. The Arizona Department of Transportation requires that every motor vehicle operated on roads in the state be covered by liability insurance.

Minimum levels of financial responsibility are as follows:

  • $25,000 bodily injury liability for one person and $50,000 for two or more persons
  • $15,000 property damage liability

It’s critical to discuss your auto insurance policy with a qualified provider to ensure you have enough coverage for your vehicle type, driving habits and location.

How Long Is Car Insurance Good For?

Auto insurance policies usually have two types of terms: six months and 12 months. Both types usually renew at the end of the policy term, but you are able to discuss any necessary changes with you insurance provider at that time. You will also most likely be able to choose to pay your premiums for the entire term upfront or at monthly increments.

How Far Back Do Insurance Companies Look?

Car insurance companies usually look back at the last three to five years of your driving record, but it varies depending on provider.

Auto Insurance Quote in Phoenix, AZ

If you are interested in learning more about auto insurance, contact Fácil Insurance. We will be able to answer any further questions you might have, as well as help you get an accurate quote.

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