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Mesa, AZ 85212

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Which Makes Sense for Me: Liability Auto Insurance or Full Coverage Auto?

Demystifying Auto Insurance: Full Coverage vs. Liability Auto Insurance

As you embark on your journey for auto insurance, a common question you’ll encounter will be about your preferred level of insurance coverage. It’s completely normal if you’re unsure. This decision can be pretty challenging. Luckily, the insurance agents at Precision Insurance Team servicing Mesa, AZ, are always ready to assist.

We extend a wide gamut of insurance products from diverse carriers and are committed to helping you navigate the intricate process of obtaining insurance. We’re here to answer your questions, making your insurance choice less daunting. With that said, let’s dive into understanding auto insurance.

Liability Auto Insurance vs. Full Coverage

Liability auto insurance shoulders the cost to repair the other vehicle if you’re found at fault in an auto accident. It’s worth noting that liability auto insurance is a legal requirement to drive, although the extent of coverage varies from state to state.

On the other hand, full coverage auto insurance facilitates coverage for other vehicles and provides many other protections. For instance, full coverage auto insurance will finance your vehicle’s repair following an accident, even if you’re deemed at fault. This comprehensive insurance also often covers roadside assistance.

The Right Choice for You

If you’re in the process of buying a vehicle and securing a car loan, your lender will likely require you to obtain full coverage or comprehensive auto insurance. However, if there’s no mandate for you to get this coverage, you may want to ask yourself the following questions:

  • What’s the market value of my car?
  • Am I financially able to repair my car if it gets damaged?

The insurance agents at Precision Insurance Team servicing Mesa, AZ, can guide you through these considerations as you select the best coverage for your needs.

Three Reasons to Get Renters Insurance For Your First Apartment

Are you moving into your first apartment? If so, you’re probably finding that there’s a lot to think about. From getting the right window treatments to finding a moving company, there is a lot of planning that goes into moving.

One of the things you should think about is whether to get renters insurance. While it’s likely not a requirement where you’ll be living, there are many reasons to get renters insurance. The team at Precision Insurance Team serving Mesa, AZ can help you decide whether this policy is right for you. 

3 Reasons to Get Renters Insurance For Your First Apartment

1. Renters insurance can be surprisingly affordable.

Renters insurance is a surprisingly affordable type of insurance that has a relatively low monthly rate. You can find out more about how much renters insurance will cost you by contacting a reputable insurance company. At Precision Insurance Team, we’ll shop around for a policy that meets your needs and fits in your budget. Call today to find out more about how much renters insurance will cost. 

2. Renters insurance offers peace of mind.

Renters insurance offers you peace of mind knowing that your belongings are covered under your renters insurance policy if a covered event occurs. It’s important to feel peace and comfort, and for many people, renters insurance can help with this. 

3. Renters insurance can help you recover after a covered event.

Recovery from a covered event is often financially easier when you have renters insurance. If a fire or a burglary occurs, your insurance company may help with the recovery, making the entire process less expensive and often less stressful for you.

Do you want renters insurance?

Contact Precision Insurance Team serving Mesa, AZ to learn more about how this type of insurance can benefit you in your new apartment. 

Do You Need Mobile Home Insurance?

There are many different types of mobile home parks available in the Mesa, AZ area. Mobile homes are sometimes referred to as manufactured homes. They are different from most types of houses, even modular houses because they are placed on movable chassis instead of a foundation. Some people may wonder if they need to insure their mobile home.

Do You Need Mobile Home Insurance?

Just as you would need insurance for a traditional home, you also need insurance for a mobile home. Is mobile home insurance covered as home insurance or under auto? While it is similar to homeowners insurance, most insurance companies will specifically offer mobile home insurance since there are some differences involved. While Arizona doesn’t require insurance for mobile homes, if you take out a loan for your mobile home, a mortgage company is likely to require it. Also, many trailer parks will require proof of insurance before allowing you to stay there.

What is Included in Mobile Home Insurance?

There are a few things that mobile home insurance will generally cover. What exactly is covered will depend on what the insurance agency is offering and the specific policy that you purchase. The following are a few things that are sometimes covered when purchasing mobile home insurance.

  • Loss Due to Fire
  • Loss Due to Vandalism
  • Loss Due to Hail or Severe Storms
  • Loss of Personal Property in the Mobile Home
  • Liability Protection When Someone is Hurt in the Mobile Home

Why Call the Precision Insurance Team?

The Precision Insurance Team in Mesa, AZ can provide you with mobile home insurance. We also provide several other types of coverage including life, auto, RV, and renters insurance. Contact us today at Precision Insurance Team to find the right coverage for your mobile home.

What Are the Benefits of Collision Insurance?

Collision insurance extends your basic auto coverage by paying for damages to your vehicle if you’re in an accident. If you collide with an object or another vehicle, you can receive reimbursement for damages. Ask your insurance agent at Precision Insurance Team in Mesa, AZ to discuss the best policy for you. 

How Collision Insurance Works?

You can receive an upfront payment for covered repairs. After you pay your deductible, the insurer handles the rest of the costs up to your insurance limit. Whether a deer runs into traffic and hits your car, or you lose control on icy roadways and hit an object, collision insurance can give you peace of mind on the highways of Mesa AZ.

Collision Insurance Benefits

It’s a good idea to meet with the Precision Insurance Team to optimize your coverage to fit your needs and budget. With collision insurance, you can receive compensation if your car is totaled or damaged by an object other than another vehicle. In most cases, you pick the repair shop, giving you more control over your vehicle repairs. Additionally, having collision insurance alleviates the financial stress that may otherwise accompany unexpected accidents. 

Your leaseholder or lender may ask for proof of collision insurance. Having insurance experts available to help you sift through your options can make the process easier. Our team can also help you through the claims process or review your current policy to make sure it meets your goals.

We Are Here To Help

Collision insurance pairs well with comprehensive insurance, which covers vehicle damage due to fire, flood, hail, or vandalism, depending on how the policy is written. Contact the dedicated agents at the Precision Insurance Team to find collision insurance that’s compatible with your existing auto policy. We also offer free quotes when you come to our office in Mesa, AZ.

What kinds of events does my renters insurance protect me from?

If you are renting a place to live in or around Mesa, AZ, your belongings need protection. The Precision Insurance Team is here to assist with everything related to rental insurance. Your landlord’s property insurance only covers the building, and you need protection for what you keep in your rental, including 

  • furniture,
  • carpeting, curtains, and other decorations,
  • clothing,
  • any small or large appliances you own,
  • electronics, such as TVs and laptops, 
  • and any other personal items of value. 

Precision Insurance Team can help you find a reasonable policy to protect you against certain events. Because your insurance policy is a contract, you need to read your policy and understand what kinds of events are covered.

What Kinds Of Events Are Normally Covered By Renters Insurance?

Some kinds of protection are standard. You are protected in case of certain kinds of accidents, such as fires. Some natural disasters are covered, such as damage from thunderstorms or windstorms. You may need extra protection for other kinds of natural disasters, such as flooding. 

Renters insurance also protects you in the event of certain kinds of crimes, such as vandalism or theft. You will lose this protection if you are found to be involved in the crime that caused the loss. There is also some liability protection so that if someone is injured while visiting you, your insurance will pay for the injuries up to your policy limit.

Learn About Your Exclusions

If you believe that you may be vulnerable to something that is not covered in your policy, speak to your agent to see if you can add coverage. Also, make sure that you have sufficient protection if you have expensive items. If you have questions about Mesa, AZ renters insurance, please feel free to call the Precision Insurance Team today. 

Does my homeowners insurance protect me from vandals and thieves?

Being a victim of a crime is frightening and disorienting. At least with the right insurance policy, you can rest assured that you can recover after your Mesa, AZ home is the victim of thieves or burglars. At Precision Insurance, we want to make sure you have the protection you need so that you can move on after such an unfortunate event.

Burglary and Theft

As a homeowner, you are expected to take reasonable measures to protect your property. Some of your belongings are in the yard, such as garden decorations. Anyone coming onto your property to steal something in your yard may be guilty of trespassing and theft.

if someone comes into your house or garage, the crime is more serious because you and your family could be endangered. Your homeowners’ insurance will protect you against burglary and other forms of theft.


You might suffer a loss of property even if nothing is taken. There are many acts that could cause damage to your property, often done by people who simply have bad intent. Examples of vandalism include:

  • slashed tires
  • broken windows
  • spray paint on the outside of your home
  • and any other kinds of deliberate damage to your home or property.

Making an Inventory

In order to make a claim, you should be able to tell your insurance company what you lost and how much it was worth. If you need help, our Precision Insurance Team can help you organize the best way to do an inventory of your Mesa, AZ home. 

We Are Here To Help

Criminals can cause you stress, but we can help you recover your losses. Call Precision Insurance Team today so we can help make sure you have the protection you need and deserve.

Look for These Features When Choosing a New Auto Policy

Do you have a new car purchase coming up in the near future? Precision Insurance Team is here to help drivers in Mesa, AZ and the surrounding area. Here are a few features to look for when choosing your next auto insurance policy.

Exciting Auto Policy Features

When it comes to today’s auto policies, there’s a lot more available than just collision protection. If you want to enjoy some exciting features, be sure to ask your agent about having one or all of these added to your policy.

  • Roadside service – If you’re ever involved in an accident or have a breakdown on the side of the road, you’ll be thrilled to have roadside assistance as part of your policy. Ask your agent today!
  • Disappearing premiums – This is a fairly new feature that grows in popularity each year. If you are a safe driver and don’t have any claims, there are certain policies that will reduce your premiums by a set amount after your safety record reaches certain milestones.
  • Rental car coverage – If you are ever involved in a covered event that requires you to put your car in the shop for repairs, you’ll want to have this coverage. Your policy will provide coverage for renting a car while yours is getting fixed. There are limits to duration and daily fees.

Now’s an ideal time to find out more about the different features that are available with comprehensive policies in our area. 

We’re here to provide the insurance services you need!

Residents in the greater Mesa, AZ area can rely on the Precision Insurance Team for all of their auto insurance needs. If you have questions about auto insurance, we’re here to help. Give us a call or stop by today!

Top Reasons to Obtain Renter’s Insurance

You don’t have to own a home to get insurance coverage. As a Mesa, AZ renter, you can protect your valuables and financial assets from liability mishaps with renter’s insurance. Like most people, you’ve probably worked hard to purchase nice clothes, electronics, furniture, and other personal belongings. It only makes sense to protect these assets from the unexpected. With renter’s insurance from Precision Insurance Team, you can do just that.

Top Reasons to Purchase Renter’s Coverage

If you’re renting a home, condo, or apartment, here are some good reasons to consider renter’s insurance coverage:

1. Your goods are not covered by your landlord’s policy. 

Your landlord’s insurance protects his home structure, not your belongings. In the event of a disaster, your landlord’s dwelling insurance will cover the home’s repair costs, and you’ll be responsible for your own losses.  

2. Renter’s property insurance protects your belongings.

Renter’s property coverage will reimburse you for items that are stolen, damaged or lost in a disaster like fire, tornado, hurricane, etc. (with the exception of flooding) to save you from financial loss.  

3. Renter’s liability coverage will protect you from liability mishaps occurring on your rental property.

If a visitor is accidentally injured on your property, liability coverage helps pay for his or her medical costs. Liability insurance also covers accidental damage to a visitor’s personal property. If someone sues you for damages, liability insurance will help cover your legal costs.

4. Renter’s insurance offers additional living expenses coverage.

If your rental home gets damaged in a storm and you have to move out until repairs are made, additional living expense coverage will reimburse you for extra expenses you may incur living in another location during that time.

5. Affordability

Renter’s insurance is extremely affordable and can fit most any budget. Consult with us and see what best fits your needs. 

We Are Here To Help!

To purchase a renter’s policy in Mesa, AZ or surrounding areas, contact Precision Insurance Team today! 

What factors need to be considered when shopping for home insurance?

Owning a home has been a great idea for a lot of people in the Mesa, AZ area. When looking for home insurance for a property, there are many factors to consider. 

Asset Coverage

One factor to consider when you are shopping for home insurance is the type and level of coverage for your assets. You will need coverage for both your dwelling and personal assets. It is important to ensure you have the right amount of coverage to comply with a loan agreement and ensure you have sufficient support for your assets.

Liability Coverage

It is also important to consider your liability coverage. There are always liability risks faced by property owners. When you have the right coverage levels, it will ensure you have support if you are found liable for an accident. While it is important to have enough coverage to comply with requirements, you also need coverage to help protect your personal wealth and assets.


The deductible is the amount of money you will pay out of pocket before the insurance covers any claim. If you have a high deductible, your premiums will be lower. However, it will cost you more if you do file a claim. It is important to find the right balance.

Reach Out To Us

There are a lot of important decisions to make when you are looking for a home insurance plan in the Mesa, AZ area. If you are looking for this type of coverage here, you should call us with the Precision Insurance Team. We know the value of this coverage and can offer any guidance that you need to build a new plan. Our professionals with the Precision Insurance Team will take a personalized approach to ensure you select an ideal plan for your situation. 

Coverage You Can Add to State Minimum Insurance

If you recently moved to Arizona, you might not recognize some of the types of auto insurance coverage offered by Precision Insurance Team. Driving in Mesa, AZ, and other areas of the state, requires minimum auto insurance coverage set by the state legislature. The state government last updated these requirements effective July 1, 2020.

State Mandated Insurance

In Arizona, like other US states, each driver must carry liability insurance to protect others on the road if they cause an accident. This insurance pays for the medical costs and vehicle damage if you cause an accident. Here’s what the state requires that you purchase:

  • Bodily liability coverage in the amount of $25,000 per person per accident,
  • Bodily liability coverage in the amount of $50,000 for all persons per accident,
  • Property damage coverage in the amount of $15,000 per accident.

Each policy quote also contains optional uninsured and underinsured motorist coverage that you can accept or decline. The state minimum for this optional coverage increased to a 25/50 coverage limit in 2020.

Insurance Options You Can Add in Arizona

In Arizona, you won’t find an option for personal injury protection (PIP) coverage. Instead, in this state, you can choose its substitute, called medical payments insurance (MedPay). This coverage pays your medical bills from a car accident.

You can also opt to add collision coverage, which pays for the vehicle damages that you caused or caused by a collision with an animal. Adding comprehensive insurance covers your vehicle if it incurs damage from a weather event, such as a hail storm or fire. It also covers theft and damage from vandalism. Finally, you could choose to add roadside assistance to your auto policy.

Get the Auto Insurance You Need

Contact Precision Insurance Team serving Mesa, AZ, to build your ideal auto policy. Let us help you protect your financial security.

Servicing States

  • Arizona
  • Ohio
  • Texas
  • Utah

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

Partner Carriers

  • Foremost
  • Openly
  • Progressive
  • Safeco
  • Travelers