Arizona is the 11th safest state in the United States to be a driver. Arizona is one of the fastest-growing states, and more drivers mean more collisions. Having a good auto insurance policy can take the sting out of having an accident. At Precision Insurance Team in Mesa, AZ, we strive to help our clients improve their coverage while lowering their liability risk. We are locally operated, which helps us to know our clients better.
In Arizona, basic auto insurance means liability coverage of 25/50/15. You must have coverage of $25,000 per person for injuries from an accident, with a total for the entire accident of $50,000. $15,000 is required for property damage. In Arizona, this extends as far as golf carts, mopeds, and motorcycles. If you don’t keep up your insurance, your motor vehicle registration and license could be suspended. If you have limited assets, this coverage might be adequate to protect you, but if you own a home or have savings, they could be in danger if you have basic auto insurance.
The state says that you have to have insurance to protect other drivers from you, but what about your vehicle? If you have an accident where you are at fault, chances are your vehicle will be damaged as well. Most people count on their vehicles to do everyday activities like going to work, shopping, and running errands. Repairing your vehicle after an accident will fall to you if you have no collision insurance. That could be thousands of dollars.
What if your car is stolen or vandalized? Basic insurance won’t help. For that, you need to have comprehensive coverage. Basic insurance would leave you high and dry.
If you have questions about auto coverage in Arizona, contact Precision Insurance Team in Mesa, AZ.