It’s easy to find car insurance in Northern Phoenix, but finding the right insurance can be a challenge. Here at Smart Move Insurance, we know that auto insurance is not a one-size-fits-all policy; rather, you need coverage that is custom-tailored to fit your needs and lifestyle. No two drivers’ coverage needs are exactly alike. From the type of car you drive to the value of the assets you need to protect, car insurance should be adapted to minimize your exposure to risk. Whether you own a small sports car or fill up your family’s four-car garage with a variety of vehicles, you can trust us to protect you and your assets after the accidents we all hope will never happen.
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.
Types of Car Insurance
A typical car insurance policy will include a wide range of coverage types, some of which include:
Liability
If you cause an accident, you can be sued for the physical damages and bodily injuries that occur as a result of the collision. While Arizona requires that all drivers carry a minimum amount of liability coverage, it is hardly enough to shield you against serious litigation. Here at Smart Move Insurance, we will provide personalized liability coverage recommendations designed to shield your assets and income in the event of a collision-related lawsuit.
Uninsured/Underinsured Motorist
Not all drivers are responsible drivers. If you are the victim of a hit-and-run or a driver with low-limit liability coverage, you can rely on your uninsured or underinsured motorist protection to help cover your damages.
Medical Payments
If you or one of your passengers is injured in an accident, you don’t have time to worry about who is going to pay for your doctor or hospital bills. Medical payments coverage helps pay for medical expenses regardless of who was at-fault for an accident.
Collision Coverage
Accidents happen – don’t let your pocketbook pay the price. If you wreck your vehicle, it helps to know that your insurance will help cover the cost of repairs or replacement. We here at Smart Move Insurance can help you protect your car bumper to bumper and assist you in choosing a deductible that fits your needs.
Comprehensive Coverage
Sometimes cars get damaged in the strangest of ways. The next time a vandal scratches a key line in your car door or a limb comes crashing down on your windshield, trust that your comprehensive coverage will help pick up the tab.
Other Benefits
Many insurance companies offer additional coverage options to drivers, some of which are unique to specific providers and others of which are more common among insurers. Be sure to ask about extra coverage for roadside assistance, towing, rental car reimbursement, and more.
Car Insurance in Cave Creek and Northern Phoenix
Smart Move Insurance is an independent brokerage providing car insurance for drivers in Cave Creek, Anthem, Carefree, and the greater Northern Phoenix area. We work for our clients – not the insurance company. Instead of limiting your options to a single insurer, we open up a whole new world of choice with access to a diverse group of insurance companies competing for your business.
Why let someone else make your decisions when an independent agent lets you order from an entire menu? If it’s time to review your car insurance needs, contact our office to request your free quotes today. We look forward to serving you soon.
