Whether you’re a seasoned road warrior or a new driver, having insurance isn’t only essential it can provide piece of mind. Car insurance has your back when life takes an unexpected turn and can help cover theft, weather or accidents. More importantly, auto insurance policies provide protection against legal and medical expenses that are incurred when your car is involved in an accident. The right auto insurance policy can help you get back on the road again in now time at all.
When it comes to car insurance, the premium you pay determines the coverage you get. California Brokerage Insurance Associates (CBIA) works with local auto insurance brokers to help you get cheap auto insurance that keeps you covered, no matter the situation. CBIA is an independent agency that’s dedicated to offering quality insurance cover, a high level of professional service and a valuable long-term relationship. While our office is located in San Diego, we serve clients in Arizona. Let us help you find the best insurance rates and plans!
Auto insurance requirements vary by state, but in general, you must have liability insurance to pay for any damage you do to another car while driving. Additionally, drivers need no-fault coverage. Having liability and no-fault coverage is non-negotiable.
We encourage drivers to consider adding additional coverage that protects assets and helps replace a vehicle should it become damaged during an accident.
Collision Insurance: This coverage pays to repair your vehicle if it’s involved in an auto accident. With standard collision coverage, the insurance company pays for repairs that don’t exceed the fair market value of the car.
In the event of an accident, you have a deductible that you must pay before the insurance coverage kicks in. This is in addition to your yearly premium. The lower the deductible, the higher your collision coverage premiums cost.
Comprehensive Insurance (non-collision): Comprehensive coverage protects you from theft, vandalism, and acts of nature. Comprehensive car insurance isn’t required, but it does help you repair your vehicle. And when accidents happen, the only out-of-pocket cost to you is your deductible. If you finance your vehicle, comprehensive insurance is usually required.
For help to buy an insurance policy and find the best deals on car insurance in Arizona, including personal and commercial auto insurance, get in touch with our insurance professionals today. Let our team go to work for you.