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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.

After several years of avoiding vacation, many people are deciding to get back to the great American pastime, the vacation. You book your flight and your hotel, and then it is time for the rental car, and it can get very scary. At Precision Insurance Team in Mesa, AZ, we have a team of insurance experts who can help to answer any questions that you may have about rental car insurance. 

Does auto insurance cover a rental car?

Renting an automobile is not inexpensive. No one wants to pay more for their rental than they absolutely have to. That’s why being able to use your own auto insurance can really help. If you lease your vehicle or have an auto loan, you will have collision and comprehensive coverage, which means that you will also have that if you rent a vehicle. 

What you need to have a rental vehicle covered, you must have a full coverage auto insurance policy. Whatever you have for coverage on your vehicle will cover you when you rent a vehicle. If you have any questions about your coverage, you should give your carrier a call to verify what you have. 

Your normal auto insurance coverage will cover you for a vehicle rental in the US or Canada. It will not cover you if you want to rent in Mexico or Europe. The other option is to check with your credit card company to determine if you have a car rental as a perk. Some credit cards do offer this, and they will then become the primary coverage when you use that card to cover your rental. 

If, however, you are concerned about having an accident and the resulting rise in premiums on your auto insurance, you can just get your vehicle coverage from the car rental company. 

Reach Out To Us

Call Precision Insurance Team in Mesa, AZ when you are ready to discuss auto insurance. 

As a Mesa, AZ driver, you know how important it is to keep your vehicle in good condition. After all, your car is one of your most valuable assets. By taking care of it and following a few simple tips, you can extend the life of your vehicle and save money in the long run.

Extending the Life of Your Vehicle:

1. Get Regular Oil Changes

One of the best ways to extend the life of your vehicle is by getting regular oil changes. Getting an oil change every 5,000 miles will ensure that your engine stays well-lubricated and runs smoothly. The breakdown of oil over time makes it less effective at lubricating and protecting your engine.

2. Get Regular Maintenance Checks

To keep your car running correctly, it’s essential to get regular maintenance checks. During these appointments, your mechanic will check fluids, brakes, and tires. They will also look for any signs of wear and tear. By catching problems early, you can avoid more severe and expensive repairs down the road.

3. Keep Your Tires Inflated

Extend the life of your vehicle by keeping your tires inflated. Properly inflated tires last longer and provide better fuel economy. Check your tire pressure at least once a month to ensure that it is properly inflated. Follow your car’s owner’s manual recommendations for the correct pressure.

4. Maintain Your Auto Insurance

Maintaining auto insurance is not only required by Arizona law but also essential for protecting your vehicle. If you are involved in an accident, auto insurance will help pay for repairs to your car. Make sure you have adequate coverage by speaking with one of our experienced insurance agents at the Precision Insurance Team.

Contact Us Today

By following these simple tips, you can extend the life of your vehicle and save money in the long run. Contact the Precision Insurance Team for all your Mesa, AZ insurance needs.

Getting auto insurance in Arizona requires getting all of the required types of coverage that are mandated by the state. While some are required to be in kept in place, others are eligible for you to reject them. It’s important to know what you have to keep and what you can reject if you should choose to. When you need to have auto insurance coverage in Arizona, call us today at Precision Insurance Team in Mesa, AZ.

Liability Auto Coverage

There are two types of liability coverage that are required to be in your auto policy and three separate coverage amounts. There is one amount of bodily injury liability coverage required for one person who is injured in an accident that you are liable for. There is a second amount required for everyone in the accident who is injured. There is a third amount required for property damage liability. All three of these come with low minimum amounts in the state of Arizona. It’s a good idea to increase the amount of coverage you have over the minimum that is required. 

Other Coverage

There are also two other types of insurance that are included with auto insurance in Arizona that you can actually reject if you choose to. These are coverages for uninsured motorist bodily injury coverage and underinsured motorist bodily injury coverage. These are useful to have in case you are hit by one of these motorists, but you are free to reject them from your policy when you talk to your insurance agent. 

Get Covered in Arizona

To keep your ride legal, it has to be insured. To get the insurance you need, you can call us at Precision Insurance Team in Mesa, AZ to find out more and to get started with an auto policy of your own.