Your car or truck is more than just a vehicle; it’s your means of getting to work on time and how your children get to school. It’s used for shopping so you can provide your family with life’s necessities. It’s also how you get away to that perfect camping spot, golf course, or hiking trail. When you think about how integral your vehicle is to your lifestyle, you begin to realize how important it is to make sure you have adequate auto insurance coverage to repair it or replace it should an accident occur.
Mooney Insurance has knowledgeable agents who can assist you in finding the best auto insurance for your lifestyle and living situation. We can evaluate what’s at stake when it comes to your personal financial protection. We also understand the most common types of risks Arizona drivers face when they are on the road. In addition to offering advice on your best coverage choices, our relationships with multiple insurance providers allow us to find just the right auto insurance policy so you can rest easy.
Car Insurance FAQs
How much auto insurance do I need in Arizona?
The Arizona minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Arizona, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $15,000 per accident for Property Damage Liability Coverage.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, personal injury protection or medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Auto Insurance Coverage in Arizona
Arizona state law requires a minimum amount of liability coverage. If you were involved in a major accident, however, having the minimally required coverage could leave you with considerable debt once your limits are reached. For the best protection, think beyond the required minimums and consider a more comprehensive insurance policy. Consider how these auto insurance options could be valuable:
Collision Coverage – Covers the costs of repairs or replacement of a vehicle in the case of a collision.
Comprehensive Coverage – Covers costs and damages associated with other adverse events, such as engine fires, hitting an animal, vandalism, and other non-collision accidents.
Bodily Injury Coverage – Provides financial compensation to others for bodily injury or death.
Property Damage – Covers damage caused to property, such as another vehicle, a building, a fence or other items.
Uninsured / Underinsured Motorist – Provides financial compensation to you and your passengers for bodily injury or death, when the driver at fault is either uninsured or underinsured.
When you work with an independent insurance agency like Mooney Insurance, we can help you find the most appropriate coverage for your personal situation. Our agents are also available to personally help you through the process in the event you should ever have to file a claim.
Save Money with Auto Insurance Discounts
Mooney Insurance does offer various auto insurance discounts, as determined by your personal qualifications. Some potential auto insurance policy discounts include:
- Multi-car discount: Protect more than one vehicle on a single policy.
- Good driver discount: Get a bonus for having no moving violations or accidents.
- Good student discount: A’s and B’s in high school and college can add up to big savings.
- Safety features discount: Airbags, anti-theft devices, and more could result in lower premiums.
Bundle Auto Insurance with Other Policies for Savings
Most Arizona residents need more than just auto insurance. You may also need Mexican auto insurance, motorcycle insurance, or some form of property insurance as well. Some discounts may be available when you bundle several personal policies together through Mooney Insurance. Ask one of our agents about bundling your auto insurance with other personal policies to see how much money you can save!
Contact Mooney Insurance for an Auto Policy Quote
Protect your finances as well as your car, truck, or motorcycle with Mooney Insurance. One of our experienced insurance agents can help you find the right auto coverage and other personal policies to suit your life situation and help to give you peace of mind. Contact us today to receive a personalized, no-obligation, insurance quote and consultation – You’ll be glad you did.