What new drivers need to know about Arizona auto insurance requirements

What new drivers need to know about Arizona auto insurance requirements

Whether you just moved to Arizona or looking to buy your first car in Chandler, AZ, you need to seriously think about auto insurance. All drivers are required to show proof of financial responsibility by carrying the minimum amount of liability. When you first visit us at San Marcos Insurance Group, we help you understand how the law works before helping you find a policy that matches your needs. Here is what you need to know before buying insurance in Arizona.

Arizona uses the old “Fault” system

The state follows the old fault system when it comes to accidents on the road. That means the person who caused the accident is held accountable for injuries, vehicle damage, and income lost. If you are the victim, you can sue the driver at fault to receive compensation from their insurance company.

You are required to carry the minimum liability coverage

The Arizona law requires drivers to buy minimum liability coverage for every vehicle in operation, to prove financial responsibility. That means your insurance company can pay for injuries and property damage in case you caused a car accident. The minimum liability coverage is not always adequate and policyholders are advised to buy enough to avoid out-of-pocket costs.

There are penalties if you don’t show proof of insurance

If you are stopped and the traffic officer asks for proof of insurance, you must produce one, or you will be penalized. If the law enforcement officer learns that you don’t have insurance, you could have your license suspended or even face a jail term, especially if you caused an accident.

There is a safety glass non-deductible option for Arizona auto insurance policies

When you buy a Chandler, AZ insurance policy with a comprehensive deductible, you qualify for the safety glass non-deductible benefit. This means you can have your vehicle replaced or repaired without paying.

Looking to buy insurance in Arizona? Contact San Marcos Insurance Group, for all your insurance needs.

Will Minimum Insurance Cover Car Theft?

If you want to drive around Chandler, AZ with the minimum legally required insurance, you’re free to do so. But there are a lot of good reasons why you might want to pick up the phone, call San Marcos Insurance Group, and extend your coverage.

Here’s one: If your car is stolen and all you have is a liability, you’re not getting your car replaced by your insurer.

Many drivers actually don’t know this. But liability is only there to protect the other party. It saves you from bankruptcy if you are found to be at fault in an accident, but it doesn’t replace or repair your car. It does you no good if your car is stolen, either.

At a certain point, a used car might not be worth protecting with collision & comprehensive. A good rule of thumb is to check the Bluebook value, and weigh that against ten insurance payments. If the insurance payments come out to be more than the car’s total value, then you might want to drop collision & comprehensive, and just cover liability and Personal Injury Protection. But if your car still costs more than you’re willing to part with, that collision & comprehensive insurance will come in very handy.

If you have any questions, get in touch with San Marcos Insurance Group. Whether you’re looking for the basic, minimum legal insurance for an old clunker or you’re ready to buy the full package for a brand new set of wheels, San Marcos Insurance Group can connect you with a provider who will get you a good deal on a great auto insurance policy.

Do I need to get auto insurance in Chandler?

When you are in the Chandler, AZ area, owning a car is a practical necessity. If you want to be able to get around this city and the rest of the surrounding communities, you will need to have your own vehicle. If you are going to buy a car here, you will want to get insurance for it. There are a few reasons why you need to get a full auto insurance plan for your car here.

Insurance is Required in Arizona

A reason that people in the Chandler area need to have coverage is that it is required by the state. If you want to be able to drive anywhere in Arizona, you need to have liability insurance protection in place at all times. Those that do not maintain this coverage could face penalization. This can include being assessed a penalty or even losing your license to drive. 

Insurance Protects Car

You will also want to get auto insurance here to ensure that your vehicle is protected. Your car is a very important asset that you will rely on daily. To ensure that you are able to drive this on a regular basis, you will want to have insurance. With this coverage, you can be protected if your car is stolen or damaged during an accident and needs repair or replacement. 

Those that are in the Chandler, AZ area and want to get an auto insurance plan should call the insurance professionals with the San Marcos Insurance Group. If you do call the San Marcos Insurance Group you can learn a lot about your different insurance options. The team here will also be able to help you assess your needs and build a policy that protects both you and your vehicle.

Required Auto Insurance in Arizona

States set their own requirements for the auto insurance their citizens should have in place. In Arizona, the law is slightly different from most states. If you need auto insurance, or you want to add to your auto insurance, call us now at San Marcos Insurance Group in Chandler, AZ to talk with an agent.

A Fault State

Some states are no-fault states, requiring coverage for themselves for bodily injury no matter who was responsible for the accident. However, Arizona does have fault rules. If someone has been found to be responsible for causing an accident, they are at fault for it. They have to be financially responsible for the accident. 

Financial Responsibility

The main rule for Arizona drivers is that the driver has to take financial responsibility for an accident they cause, and they must be able to prove that they are able to do so. For most people in the state, this is done by getting auto insurance. There are mandatory minimum amounts for the bodily injury liability for each person and another amount per accident. It also requires property damage liability coverage that comes with its own mandatory coverage minimum. 

Another way that drivers can legally prove that they can be responsible for an accident is to have a specific amount in a certificate of deposit. This has to be kept by the Arizona State Treasurer’s Office, and the driver must show proof of this money is available. 

Both of these options may be too small to take care of a serious accident, however. It’s a smart decision to add to them so that you can pay for serious accidents that have a lot of injuries and property damage. 

Get Your Insurance Policy

To get your auto insurance policy, call us at San Marcos Insurance Group in Chandler, AZ to make your appointment with an agent. 

Do You Need to Have Auto Insurance When Your Vehicle Is in Storage?

Is it necessary for you to keep your auto insurance even when you have your vehicle in storage? You aren’t required to have insurance on your automobile in the state of Arizona while it’s being stored though you may want to continue it through these months and make some adjustments. An independent agent at San Marcos Insurance Group of the Chandler, AZ area can assist you.
 
Change in Your Coverage
 
If you only drive your car or truck part of the year or have some reason you’re not going to be driving it for a while you should look into making a switch to storage coverage instead of your standard policies. Most companies will drop the collision and liability coverage so that you’ll only have comprehensive coverage.
 
When using storage coverage, you’d be keeping your vehicle off the street in one place, typically a locked garage. When you have this type of coverage, it should make your premium drop significantly. It applies when it comes to instances such as a vehicle that’s not used regularly, one that’s in need of repair, or if it’s owned by a military member who’s deployed. You’d still have many of the same benefits. It also helps you maintain insurance history so that there won’t be any problems where it’s considered a lapse.
 
This can be a tricky matter when it comes to some state’s vehicle registration laws. Your best bet for this situation is to cancel registration for the vehicle (which makes sense if you won’t be using it for a long time) and make sure that it remains off the road.
 
If you’d like more information and to see if you should make this change, reach out to San Marcos Insurance Group. The agents assist new and returning customers with the right fit for their situation in the Chandler, AZ region.

Do I need an Arizona auto insurance policy?

Those that are in the Chandler, AZ area will want to consider getting a car as it will help them to ger all around the Phoenix area. When you are looking for a car around here, you also need to think about your insurance needs. There are many reasons why someone here will need to get this insurance for their car.

Insurance is Required by Law

One of the reasons that you will need to get this insurance is that it can be required by law. Anyone that wants to drive a car on a public road in Arizona should be made aware of the state requirements regarding auto liability insurance coverage. This type of insurance can ensure you are able to pay for damages that you cause in an accident. Having this coverage is required by law as it helps to protect all other drivers on the road.

Auto Lender Will Require Coverage

While state law will require that you have liability insurance, anyone that has a loan that they took out when buying their car will also be required to have insurance. Any auto lender will want to make sure that you have a full collision and comprehensive insurance policy. This type and level of insurance coverage will ensure that you are able to repair or replace your car or pay off your loan if the car is stolen or damaged. 

Choosing an auto insurance policy in the Chandler, AZ area can be a big decision. When you are looking for this type of insurance, you should speak with the team at the San Marcos Insurance Group. When you call the San Marcos Insurance Group you are going to receive the support you need to understand your insurance obligations and pick a policy. 

Will My Auto Insurance Cover a Relative Visiting for the Summer?

If you have family or friends visiting your Chandler, AZ home this summer, you may have to deal with guests asking to borrow your vehicle. Loaning out your car is a personal decision. At the same time, it’s good to confirm with your San Marcos Insurance Group agent if guest drivers are covered by your auto insurance. You don’t want to be stuck paying for damages of an unexpected accident. Here’s what you should know about guest drivers and auto insurance.

Friends are Covered with Permission

Your friends in Chandler, AZ are covered by your auto insurance if they have permission to drive your car. Depending on the coverage you have, your policy will cover damages in the event of an accident. When loaning your car to a friend, make sure he or she has a valid driver’s license, and is a safe driver.

Visiting Relatives are Covered with Permission

If you give visiting relatives permission to drive your vehicle, they, too, are covered by your auto insurance as long as they have a valid driver’s license. As relatives may be unfamiliar with the area, use wisdom when loaning out your car. You may prefer to drive them yourself for nighttime events or find them other forms of transport, especially if they’re attending a party where the hosts will be serving alcoholic beverages.   

Guest Drivers May Have Limited Coverage

Although guest drivers are protected by your auto policy in Chandler, AZ, they may not have the same scope of coverage as you or members of your household listed on your policy. Guest drivers also have restrictions on how often they can use the vehicle without being listed on the policy.

To learn more about auto policies, coverage and costs, call or visit your San Marcos Insurance Group agent today.

Auto Insurance Facts vs Myths

Before purchasing auto insurance in Chandler, AZ, make sure you know the facts. Auto insurance myths could cause you to make costly mistakes in choosing your coverage. At San Marcos Insurance Group, we’ll help you separate fact from myth to ensure you get the protection you need without wasting money.  

Myth: You Only Need Minimum Liability Coverage

Fact: Arizona requires that you have minimum auto liability coverage to protect others in accidents you cause. Liability insurance, however, won’t protect you against theft or cover repair costs to your vehicle if it’s damaged in a crash. By adding collision, comprehensive and uninsured motorist coverage to your policy, you’ll receive greater protection against accidents, which could save you thousands of dollars in repairs out of pocket. 

Myth: Men pay higher auto insurance rates than women.

Fact: This may be true for young men and teens as they’re often viewed as a greater risk for accidents. In general, however, gender has little bearing on auto premium costs. Your driving experience, driving record and credit rating, however, could affect the cost of your auto coverage.  

Myth: If a friend or relative borrows your car and causes an accident, he or she is responsible for damages.

Fact: Car insurance follows the car, not the driver. If you give people permission to drive your car and they cause an accident, your auto insurer is responsible for covering the cost of damages.

Myth: Rental car expenses are automatically covered in auto policies in Chandler, AZ.

Fact: If you want your insurer to pay for a rental vehicle while your car is being repaired after an accident, you have to add it to your coverage. It isn’t automatically included in your policy.   

For quality auto coverage at affordable costs, contact San Marcos Insurance Group today.

Benefits to Bundling Your Auto Insurance with Other Types of Insurance You Need

Is it worthwhile to bundle insurance policies? There is evidence that this is ideal for most people to do. If you’re in the Chandler, AZ area and want to find out if this would be a beneficial move, an agent from San Marcos Insurance Group can assist you.

Bundling Is Popular

There are relatively few insurance agencies that stick to one type of insurance. If a young adult goes to an agency, chances are high that they require more than one of them. The best part is that most companies will give you a great discount if you bundle. Home and auto insurance are among the most popular policies to put together like this.

Saving Time and Energy

You’ll get to save time and energy when you go through one company for different types of policies. You won’t have to research and meet with several people at different agencies if one offers all that you need. There also may be a unique product tiers available if you get an insurance bundle.

Risky Protection

If you already have a policy with a company, they’re more likely to consider your risky situation for an auto or home policy. They’ll want to give you coverage if you’ve been a loyal customer for a while and won’t want to lose out on having you as a customer. Of course, there are limitations to this, such as anything that is against the law in your state.

If you want auto insurance and also are thinking about switching over to a new company for your home insurance policy or have a new home for which you need a policy, talk to us at San Marcos Insurance Group. We’ve been serving the Chandler, AZ area and would love to help you find just the right insurance to meet your needs.

Does basic auto insurance provide enough coverage?

Arizona is a great place to live and drive and Chandler, AZ is no exception. Arizona requires that all drivers carry at least basic liability auto insurance, they mandate 15/30/10 coverage.  At San Marcos Insurance Group our team has years of insurance experience. We have the information you need to decide if basic auto insurance provides enough coverage. 

Liability insurance is an important coverage. It protects you in the event that you have an auto accident and are found to be at fault. Medical bills can be astronomical these days and lawsuits filed after an accident can also go through the roof. If you own a home and/or have assets, basic liability coverage may just not be enough to protect you. You can add additional liability insurance to a basic policy to provide the protection you need. 

If your vehicle is something that you would have a hard time living without, you want to make sure that it is repaired or replaced in the event that it is damaged. Two types of additional coverage help to make sure that you and your vehicle are covered. 

Collision coverage pays to have your vehicle repaired or replaced when you are involved in a collision with another vehicle and you are at fault. It has a deductible that must be met first and then it pays out up to the limit of the policy. 

Comprehensive insurance helps to repair or replace your vehicle if it is damaged by something other than a collision. It may be damage from things like fire, hail or strong winds. It also replaces your car in the event that it is stolen. Glass coverage is usually included in comprehensive coverage. 

How much auto insurance is enough is an important consideration and the type of thing that you should discuss with the team at San Marcos Insurance Group in Chandler, AZ. Call our office or stop by for a no-obligation quote.