Arizona requires every driver to carry liability insurance, but the minimum limits may not be enough to protect you in a serious accident. Understanding what coverage you need takes more than just knowing the state minimums.
The state requires 25/50/15 coverage, meaning $25,000 per person, $50,000 per accident for bodily injury, and $15,000 for property damage. Those numbers sound reasonable until you consider that a newer vehicle can cost $40,000 to replace, and medical bills after a serious accident can reach six figures.
Working with an independent agent like Sue Beyer means you are not stuck with one company's options. Sue can compare rates and coverage from multiple carriers to find a policy that actually protects you, not just one that satisfies the legal minimum.
Here are a few things worth considering when reviewing your auto coverage:
Comprehensive and Collision Coverage
If your vehicle is less than ten years old or still has a loan on it, dropping comprehensive and collision coverage is usually a mistake. Arizona hailstorms, flash floods, and the occasional dust storm can cause serious vehicle damage. Comprehensive coverage handles these events, while collision covers damage from accidents.
Uninsured Motorist Coverage
Arizona has a higher-than-average rate of uninsured drivers. Adding uninsured motorist coverage to your policy protects you when the other driver does not have insurance or does not have enough.
Rental Reimbursement
If your car is in the shop after an accident, rental reimbursement coverage pays for a rental vehicle while yours is being repaired. For most people, this is a small additional cost that makes a big difference.
The best way to know if you are properly covered is to sit down with an independent agent who can review your current policy, understand your situation, and compare options across multiple carriers. Sue has been helping Gilbert and East Valley residents make smarter insurance decisions since 2013, and she is happy to do a free policy review at any time.
About the author: Better Buyer Insurance is a licensed independent insurance agency in Gilbert, Arizona. Founded in 2013 after 17 years with American Family Insurance.