Few places are better for road-tripping than The Copper State. With beautiful stretches of scenic highway, just hop in your car and let the road be your guide. Here at Jarosch Insurance, we want you to be protected every mile along the way. As your local Mesa independent insurance agency, we can help you personalize an insurance policy that suits your needs nearly anywhere the road may take you.
Choosing Your Coverage Limits
Arizona requires all drivers to have car insurance that meets state requirements for liability protection. However, this low-limit coverage is usually too little to provide adequate protection in an accident. That is because when you get behind the wheel of a car, you are taking on a certain amount of risk not only for yourself and your vehicle but also for other drivers on the road. If you cause an accident that injures another person or damages their vehicle or other personal property, you can be held legally and financially liable. Likewise, if you total your own car, you could lose the entire investment you made when you purchased your vehicle.
That’s why we recommend purchasing auto insurance coverage limits that actually suit your needs – not just the ones that meet legal requirements. We can help you build and personalize a policy that provides enough coverage to protect you against the high cost of victim medical bills and defending yourself against a lawsuit. We can also include coverage for your own vehicle and any injuries to you and your passengers.
Types of Arizona Auto Insurance
Most Arizona auto insurance policies include many types of coverage, all of which work together to better protect you, your vehicle, and your income against potential losses. Some are required by law and others by lenders and lien-holders, but all of them are beneficial to policy-holders in the event of a loss.
Bodily Injury and Property Damage Liability
When you are the at-fault driver in an accident, this type of coverage helps pay for your financial responsibility when a victim is injured or experiences property damage. It can cover the cost of defending yourself in court, as well as the cost of any judgments against you up to the limits of your policy. Since victim liability can include damages for medical bills, rehabilitation, property damages, lost wages, and more, we generally recommend choosing high limits to better safeguard your assets and future income against liquidation and garnishment.
When an accident leaves your vehicle totaled or damaged, your total loss or the bill for the repairs can total thousands of dollars. With collision insurance, you are covered for the damages, although any claims you make will be subject to your deductible. You can choose a low deductible that minimizes your out-of-pocket costs after an accident, or you can choose a high deductible in an effort to drive down the cost of your policy premiums.
Your vehicle is also at risk when it’s not being driven. A tree could fall it in your drive-way, a wild animal could destroy the inside of it, or a storm could drop damaging hail on it, leaving you with a big bill for the damages. Comprehensive coverage protects against these types of non-collision events, covering repairs or providing a settlement in the event of a total loss. Like collision claims, any claims you make against your comprehensive coverage may also be subject to a deductible.
Sometimes drivers break the law and drive without liability insurance. If you are injured by one of those drivers, your uninsured motorist protection can help cover medical expenses for you and your passengers. Your policy can also include underinsured motorist protection, which help pay for excess damages when an at-fault driver’s insurance falls short of your needs.
Medical payments coverage compensates you if you are injured in an accident, regardless of whether it was your fault or the fault of another driver. Although the coverage is usually limited to no more than a few thousand dollars, this could be enough to pay your health insurance deductible and get you on the road to recovery. Since it does not release another driver of liability, you can still pursue compensation from an at-fault driver’s insurance company despite receiving medical payments reimbursement from your own.
Roadside Assistance and Towing
No one plans to have a flat tire or lock their keys in their car, but accidents happen. Fortunately, your car insurance can include coverage for these types of unexpected events and help minimize your out-of-pocket costs if you need roadside assistance or towing.
Rental Car Coverage
If you are in a car accident that damages or destroys your vehicle, you may need to rent a car while you shop for a new car or wait for the body shop to finish the repairs. During that time, your policy can reimburse you for the cost of renting temporary transportation.
Save Money on Arizona Auto Insurance
When it comes to car insurance, having the right coverage is always the first priority, but that doesn’t mean you should pay more for the insurance protection you need. At Jarosch Insurance, we help drivers like you find personalized insurance coverage at highly competitive rates by shopping and comparing options from multiple Arizona insurers. We can also search for the discounts you may be eligible for, such as:
- Low mileage discounts
- Good student discounts
- Student away at college discounts
- Claims-free discounts
- Safe driver discounts
- Multiple vehicle discounts
- Home and auto bundling discounts
- And more
To find out more about how an independent insurance agent can help you save on the car insurance you need, contact our office to request your free quote today. We look forward to serving you soon.