Imes Insurance Associates is committed to helping you find the right auto insurance policy to meet your coverage needs and budget. We have deep knowledge and experience regarding the risks facing drivers who live in Mesa, Scottsdale, and the Greater Phoenix Valley, and the potential costs of a loss. Working with a dependable insurance agency can make a huge difference in the final results, should you ever need to file a claim.
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, 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 and differences in companies. Not all carriers are the same. 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.
Discounts & Bundles for Savings
Imes Insurance Associates offer a variety of policies from which to choose, and discounts are available when you bundle your car insurance with other policies such as your homeowners’ insurance. Other discounts may include a multi-car discount, good driver discount, good student discount, and a safety equipment discount for having such features as airbags.
Auto Insurance Major Coverage
While all auto insurance policies may be different based on the coverage you need, some of the major coverages are required by state law. Consider the following coverage listed below:
- Collision Coverage – A policy with collision coverage will pay for repairs or replacement of your vehicle after a collision. The insurance company representing the party at fault for the accident is responsible for the damage to a vehicle. Your share of any loss is determined by the deductible you carry. The higher your deductible, the less you’ll pay for this coverage.
- Comprehensive Coverage – There are other types of accidents that are not collision-related. Comprehensive insurance insures for losses related to things like hitting a deer, hail damage, vandalism, and engine fires. As with Collision coverage, you have a choice of deductibles to choose from.
- Bodily Injury Coverage – This component of your auto insurance policy may be the most important part as typical losses that Bodily Injury covers are generally more than any other type of loss. This coverage will pay compensation to others (up to your policy limits), for bodily injury or death due to an auto accident for which you are at fault. Liabilities that may be paid by this coverage include medical bills, loss of income, and other losses.
- Property Damage – As you might have guessed, this part of an insurance policy pays for property damage due to an accident for which you are responsible. Typically, this coverage will pay for damage to another vehicle, a home, a fence, a business, and similar structures.
- Uninsured and Underinsured Motorist – Though it is against the law to drive without state minimum insurance coverage, some irresponsible people still do. This could put you in a bind if they cause an accident that causes damages, injury or even death to you or your passengers. Additionally, there are some drivers who have insurance, but not enough coverage. In either situation, carrying Uninsured and Underinsured Motorist coverage, otherwise known as UI/UIM, would pay for damage to you, your passengers, or your vehicle.
Contact Us for Your No Obligation Auto Insurance Quote
Request an appointment for a consultation with one of our agents. We’ll be glad to answer any questions you might have and help you find the right coverage at a fair price. Contact us today to get started!