Auto Insurance in Arizona

As a driver in Arizona, you need to be able to count on your insurance agents to give you the information you need to have the correct coverage. You can depend on The Insurance Team to know the laws and get to know you so that the recommendations are personalized. Independent agents work for their customers and don't owe their allegiance to any one insurance company. This makes for greater individualization of service.

The requirement for auto insurance in Arizona is for liability coverage in the amount of 25/50/15. This allows $25,000 for injuries suffered by one person, with a total of $50,000 for all injuries in the entire accident, and $25,000 is for property damage incurred. But, if you have an auto loan or are leasing your vehicle, you will need to carry more insurance than just the liability coverage. You need to protect the vehicle. Two types of coverage protect the vehicle, comprehensive and collision.

• Collision coverage protects the vehicle from collisions with other vehicles or stationary objects if you are the responsible party. It also protects you from being the victim of a hit and run. It allows your car to be replaced or repaired.
• Comprehensive coverage is also known as non-collision coverage. Lots of things can happen to your vehicle beyond a collision. Weather can play havoc with your vehicle, hail can damage the paint, high wind can send a tree branch crashing down, and flooding can cost a countless amount of damage. A deer can run in front of your vehicle, your vehicle could be vandalized, or it could be stolen. All of these things are covered.

Getting the auto insurance that is perfect for you means your policy needs to be customized. With an independent insurance agency like The Insurance Team, you can count on us to make sure you have the auto insurance required by all Arizona drivers.