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6859 E Rembrandt Rd
Suite 128
Mesa, AZ 85212

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Required Auto Insurance in Arizona

Every driver in Arizona is required to have insurance for their vehicle. The insurance policy that they choose must meet a number of required minimums under state law. However, there are other types of coverage that can be added as options. If you need auto insurance, call us today at Precision Insurance Team in Mesa, AZ.

Liability Coverage

The state requires your policy to have three different minimum coverage amounts that pertain to liability. The first is an amount for one person who becomes injured in an accident. The second is a set minimum amount of coverage for everyone who is injured in an accident. The third is a minimum amount for property damage liability. Though there are specific minimums for all of these coverage types, you can add more coverage to each when you get your policy. 

Uninsured Motorist

If you were to have an accident with someone who doesn’t have insurance, and the accident is their fault, it can be extremely difficult to get the medical bills paid. That’s why the state makes it mandatory to carry insurance coverage for an accident with an uninsured or underinsured driver. This protects you against someone else breaking the law and not having the proper auto insurance. 

Other Coverage

There are no other types of insurance that you are required to have by state law, but there are several types that can certainly be helpful. Many people add collision coverage to their policy so that their own property damage can be paid for in the event of an accident. There is also comprehensive coverage, which covers you against a wide range of situations. 

Cover Your Vehicle

To keep your vehicle insured, give us a call at Precision Insurance Team in Mesa, AZ to find out more about these helpful and mandatory policies. 

Is basic auto insurance in Arizona enough coverage?

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.

What comes with a Mesa auto insurance policy?

The Mesa, AZ area is a popular place to visit and live. Those who would like to live here should make sure that they can get around town. A great way to do this is by getting auto insurance. If you do purchase an auto insurance plan, it will include several forms of insurance coverage. 

Coverage to Protect Vehicle

One type of insurance you will get when you invest in an auto insurance plan in Arizona is coverage for your vehicle. If you buy a car, you will want it to last as long as possible. The best way that you can ensure this happens is by getting a full insurance plan. If you get a plan will collision and comprehensive coverage, it will protect virtually any scenario resulting in a loss. 

Coverage to Mitigate Liability Risk

People that want to drive a car should know that there will always be a risk that they could be found at fault in an accident. If this does happen, you will be responsible for all correlated damages. A great way to offset this risk is by getting an auto insurance plan that will include liability coverage. This will ensure you are protected if there is damage in an accident, and you are responsible for covering it. 

Choosing an auto insurance plan in the Mesa, AZ area is a big decision. If you are going to invest in a new policy here, you should call the Precision Insurance Team. Anyone that speaks with the Precision Insurance Team will find that their expert guidance can help you pick a great policy. This will ensure you remain properly covered with protection that is ideal for both you and your vehicle. 

Servicing States

  • Arizona

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

  • MetLife
  • Openly
  • Safeco
  • Travelers