We compare rates with lots of great companies to find our clients terrific Arizona car insurance prices.

But even more important than the premium, we strive to ensure our clients are properly covered. What a better feeling than to have a claim and find out you have the right coverage to fit your needs. Below are a handful of coverage items that help you to know your auto insurance policy better.

Bodily Injury

Designed to protect the “other” driver if you are at-fault. This coverage is super important. What if you hit another vehicle and cause injury or death, or hit a child on a bicycle or motorcyclist? Are you sure your bodily injury limits are high enough to cover you. If not, you could face a lawsuit from an attorney seeking access to your personal assets and income. Ask us about increasing your BI coverage.

You may be surprised to learn that the cost to increase bodily injury from lower limits to higher limits is not that much additional premium.

Property Damage

Pays out to fix someone else’s vehicle should you be at-fault in an accident.

Medical

Covers injuries in your vehicle

Uninsured Motorist

Covers you and passengers who may be hurt and the other driver has no insurance. We have read reports indicating the approximately 1 in 5 Arizona drivers have no insurance. That is a lot of cars on the road today.

Underinsured Motorist

If someone hits you and causes injury to you or your passengers, you expect their policy to cover the damages. What if they carry the state minimum coverage? It might not be enough. That is where this item will kick in.

Deductibles

Collision covers your car in claims in which your vehicle is damaged while moving. You may want to consider carrying a $1000 deductible versus $500. The premium difference is often worthwhile. Comprehensive covers damages to your vehicle while it is not moving, things like theft and vandalism.

We often find it makes great sense (premium-wise) to carry a $1000 collision deductible and a $500 comprehensive deductible. Don’t take this for gospel as everyone’s situation is unique.