Having the right auto insurance allows you to drive with confidence, knowing that your insurance carrier will have your back no matter what happens. If you are in Arizona, you need to have the mandated insurance coverage, and even if you are driving a golf cart or moped, you must have auto insurance.
Arizona requires that every car on the road in the state have liability insurance issued by a company licensed to do business in the state. The required coverage in Arizona is 25/50/15. This means that the first person injured in an auto accident where you are the responsible driver is covered for $25,000 bodily injury, and all other injured are covered up to the policy maximum of $50,000. Any property damage is covered for $15,000.
This is the basic insurance required by law, but that doesn't mean that it is the right amount of liability insurance for you. Having an independent insurance agent who has taken the time to get to know you and your financial situation is what you need to ensure that you get the right coverage.
Basic auto insurance isn't right for everyone. If you have a car loan or are leasing, you will have to have insurance that will protect the vehicle, and for many auto owners, protecting their vehicle is necessary.
Collision coverage is for damage to your vehicle caused by a collision. Some of the possibilities are:
Comprehensive covers most other things that can happen to your vehicle.
Contact The Southwest Financial Center in Arizona when you are ready to discuss auto insurance.
