How much auto insurance do I need in Arizona?

The state of Arizona requires drivers to carry auto insurance every time they’re on the road. Your car should meet the set minimum requirements if your vehicle is involved in an accident. There are many considerations that insurance companies like Giles & Iten Insurance make to determine how much auto insurance one needs. The type of car, cost, age of the vehicle, level of experience, and mode of car purchase are some of the factors that determine what you will pay.

Arizona uses the fault-based system

The state of Arizona does things a bit differently, particularly when it comes to financial responsibility. This means that whoever is at fault in an accident is responsible for any damage or harm that will result from the accident, such as car damage, lost income, injuries, or property damage. If involved in an accident in Surprise, AZ, you can proceed to file a claim with their insurance company or a lawsuit in a civil court.

Liability insurance law is mandatory

The state requires drivers to have liability coverage that will cover for total bodily injury or death and property damage where the driver of the insured vehicle is at fault. In a case where one of your family members is driving your car, liability coverage can help pay medical bills for the injured member. However, keep in mind that liability coverage does not cover you in any way. If you are involved in an accident where you are at fault, you may need to purchase additional coverage for that.

Finally, it is crucial to note that there exist penalties for drivers without mandatory auto insurance. Therefore, carry proper auto insurance proof and show it to the relevant authorities when stopped or when involved in an accident. To learn how to protect yourself on the roads adequately with auto insurance, visit us at Giles & Iten Insurance in Surprise, AZ today!

What Lifestyle Changes Can Affect Your Auto Insurance?

Lifestyle changes in the past year could affect your current auto insurance coverage. Changes like marriage, divorce, retirement, and achieving senior status can affect your auto insurance cost or coverage. By discussing lifestyle changes with your Giles & Iten Insurance agent in Surprise, AZ, you’ll have a better idea of what steps to take to maintain the auto insurance protection you need in Arizona and California. Here are a few lifestyle changes that could alter your insurance coverage.

Marriage

After getting married, you may decide to add your new spouse to your auto insurance policy. A multiple-driver policy can save you money on your insurance costs. If marriage adds teen drivers to your household, you can add them to your policy as well. Having your teen drivers complete a driver’s safety course can reduce your insurance costs.

Divorce

If you get divorced, you may need to take a spouse off of your auto insurance, which may alter your auto insurance costs. If you’re currently bundling home and auto, a divorce could change your policy altogether, which will affect your auto insurance costs. 

Retirement

Retirement could lower your auto insurance costs as you’ll no longer be driving to and from work, reducing your risk of accidents. If you plan to travel extensively by car after retirement, however, i.e., taking vacation road trips, you may want to increase your coverage to ensure you have sufficient protection on the road. This, of course, will prompt an increase in your premium.

Senior Status

Seniors often qualify for auto insurance discounts, especially if they have good driving records. If you’ve achieved senior status, talk to your Giles & Iten agent about discounted rates on your policy.

For more information on how lifestyle changes affect your auto insurance, contact us at Giles & Iten Insurance in Surprise, AZ, today. 

Considering Auto Insurance When Buying a New Car

When looking for a new car do you consider the cost of auto insurance? Wise consumers do this, and you don’t even have to do any extra work to figure this out. Just call your agent at Giles & Iten Insurance serving Surprise, AZ, and the surrounding area. Ask the agent to give you a quote for the make, year, and models of the vehicles that you are thinking about buying.

Here are some reasons why this is such a good move on your part:

  • You will have a better idea of the total cost of owning the vehicle.
  • You will get adequate insurance coverage for your needs.
  • Your agent will be ready to issue a certificate of insurance immediately so you can drive the new car that you buy off the lot.

There are some bad things that can happen if you don’t get your auto insurance agent on board for a new car purchase that you are considering. One of them is getting stuck with having inadequate coverage and perhaps also paying too much for it.

In the excitement of buying a car, the salesperson who is finalizing the paperwork will ask you about auto insurance coverage. They cannot allow a car to drive off the lot without it. If you don’t tell them you already have an agent ready to issue it, they will offer insurance from possibly some company that you never heard of before. You may not have the time or even the interest in investigating anything about the insurance you are going to get.

The other potential problem is that the cost of auto insurance can be a very significant monthly expense for certain types of cars. This may mean that those models are considered a higher risk. They might be more frequently involved in accidents. They might be a model that thieves like to steal more often. For whatever reason, if the insurance premiums are higher for a car model that is similar to another car, you want to know why.

We work in Surprise, AZ, but we don’t like the clients of Giles & Iten Insurance to have any bad surprises when it comes to auto insurance. Give us a call at 623-201-8570 for a quote or use our online form and let us know the models of cars you are considering as a new car purchase.