Car Insurance
Get a Car Insurance Quote in Queen Creek
A lot of people spend time researching everything about their car but never learn much about car insurance and what it entails. When you buy or lease a car, it's important to protect that investment. Auto insurance offers reassurance if you're involved in an accident or the vehicle is stolen, vandalized, or damaged by a natural disaster. Instead of paying out of pocket, you pay a yearly premium and the insurance company covers all or most of the costs associated with a car accident.
What is car insurance?
Car insurance is a contract between you and an insurance company: you pay a specified premium in exchange for protection against financial losses that stem from an accident or other damage to the vehicle. It can cover damage to your car and the other driver's car, property damage or bodily injuries caused by an accident, and medical bills associated with injuries. Auto insurance is required by most states — get into an uninsured accident and you'll pay expenses out of pocket while also facing penalties, fines, and possible criminal charges.
Coverages are priced individually so you can customize amounts to suit your exact needs and budget. Policies are generally issued for a six-month or one-year term and are renewable, and your insurer sends a notice when it's time to renew.
Who is covered by your policy?
Your auto policy covers you and the family members on it, whether driving your own car or someone else's with permission — and it covers others driving your car with your consent. A personal auto policy only covers personal driving, so it will not cover using your car for commercial purposes or for ride-sharing services like Uber or Lyft (some insurers now offer supplemental products for that at extra cost).
Common auto coverages
- Bodily Injury Liability Costs from injuries or death you cause to others while driving.
- Medical Payments / PIP Medical expenses for you and your passengers, plus lost income.
- Property Damage Liability Damage you cause to another vehicle or to property like a fence or pole.
- Uninsured Motorist Covers you when an at-fault driver has no (or too little) insurance.
- Collision Damage to your own car from a collision with a vehicle or object.
- Comprehensive Theft and non-collision damage — fire, flood, hail, vandalism, and more.
- Glass Coverage Windshield and window damage, often with no deductible.
Frequently asked questions
Is car insurance required in Arizona?
Auto insurance requirements vary from state to state, and most states require coverage. If you finance a car, your lender may have its own requirements as well. Driving uninsured means paying claims out of pocket and risking penalties, fines, and possible criminal charges.
What's the difference between collision and comprehensive?
Collision reimburses you for damage to your car from hitting another vehicle or object. Comprehensive covers theft and damage from events other than a collision — fire, flood, vandalism, hail, and falling rocks or trees.
Does my policy cover ride-sharing or deliveries?
A personal auto policy only covers personal driving. It won't cover using your car for commercial purposes or ride-sharing services like Uber or Lyft, though some insurers offer supplemental products for that at an additional cost.
Ready for great rates on the coverage you need?
Call your local Queen Creek insurance broker today, or send us a message and we'll get right back to you.