Figuring out car insurance can be tricky and overwhelming, but it doesn’t need to be. One thing is for certain – if you live in Phoenix, the Valley of the Sun, you need a car to get around, and that means you need car insurance! At Pinnacle Peak Insurance, we have years of experience insuring Phoenix drivers and all across the state of Arizona. We make the process easy and affordable, and proudly offer insurance bundles with home insurance or with other types of policies to fit your needs.
Our years of experience helping Arizona drivers navigate automotive insurance policies tells us that many Arizonans don’t even understand the policy they pay for every month! We work with a wide range of providers and pride ourselves on our vast knowledge of policies to secure the best price and the best coverage for our clients. Since 2012, we have worked diligently to ensure that every client who trusts us with their Arizona car insurance needs fully understands their policy and what they’re paying for. We believe in transparency – at Pinnacle Insurance, we are honest about what coverage is the most affordable without compromising coverage.
Types of Arizona Car Insurance
We get it – it can be confusing to navigate all the facets of car insurance coverage in Arizona! Arizona drivers have quite a reputation for being a bit erratic – so how can you be sure that you’re completely covered in case of an accident? In addition to physical damage, what about medical costs or lost wages? And what happens if the other driver isn’t insured? We understand that it can be stressful to have to worry about paying for damages in an accident, especially if the other driver caused the accident! When you work with Pinnacle Insurance to secure auto insurance, you can rest easy that we have you covered.
Mandated Car Insurance Limits for Arizona Drivers
In 2020 the new limits for Arizona’s minimum limit for auto insurance liability were increased to $25,000/$50,000/$15,000, or: 25/50/15. It’s likely that those numbers may not make much sense to the average person, so allow us to explain. Basically, these coverages are per person, per accident, and property damage. The three numbers represent the limits that are paid out to another person if you’re at fault in an accident, or on the reverse side – the maximum that’s paid out to you if another person is at fault in an accident involving you! Those first two numbers represent “Bodily Injury Coverage” – which helps pay for medical injuries, and the last number refers to property damage caused in an accident. Here’s the breakdown:
- Per Person: The $25,000 (“25”) is the maximum amount an insurance company would payout for each individual who is injured in an accident caused by the driver deemed at fault – it will cover multiple people up to the “per accident” limit detailed next.
- Per Accident: The second number ($50,000 or “50”) is the maximum amount that would be paid out by the insurance company for bodily injuries caused in any one accident, regardless of how many individuals are involved. However, remember that an insurance company won’t pay over the “per person” limit.
- Property Damage: Lastly, $15,000 is the “Property Damage Liability” coverage – this helps pay for any property damage caused by an at-fault driver.
Optional Additional Car Insurance
It’s wise to secure more coverage beyond what’s mandated, and we can help you navigate those options. Here is a basic breakdown of optional additional car insurance you can add on to your policy to help you rest easy.
- Collision Coverage: Collision coverage beyond the property damage minimum is optional – but necessary! Collision coverage helps cover repairs or the replacement of a vehicle that’s been damaged in an accident, whether you collide with another vehicle, a wall, barrier, or some other inanimate object.
- Comprehensive Coverage: Comprehensive coverage covers anything that happens to your vehicle beyond a collision, including theft, vandalism, fire, or acts of nature such as storm damage.
- Personal Injury Protection (PIP): PIP Insurance covers everyone involved in an accident beyond personal injuries; it covers lost wages and funeral costs. In Arizona, this type of insurance is called MedPay insurance and can cover you, your passengers, and others injured.
- Uninsured and Underinsured Motorist Coverage: If the other driver doesn’t have insurance or doesn’t have sufficient coverage, your Uninsured Motorist and Underinsured Motorist Coverage could be essential in protecting you and your passengers in the event of an accident.
- Mexico Insurance: Mexico does not accept foreign car insurance, so if you take your vehicle down to Mexico, we can make sure you’re covered and meet the requirements to travel safely across the border.
Pinnacle Insurance Group – Protecting Arizona Drivers Since 2012
If you’re shopping around for insurance quotes, trust a Valley agent that’s knowledgeable and determined to save you money! Get in touch with us via phone at 480-424-4756 or email: info@PinnaclePeakInsuranceGroup.com; you can also request an Instant Quote!
Find Great Rates on Auto Insurance
Auto insurance can be complicated. Although you’re required to have an auto insurance policy, many people with car insurance don’t fully understand their coverage or what to do when it comes time to utilize their insurance.
At Pinnacle Peak Insurance, we strive to help you find the best rates on your auto insurance and ensure you understand what you’re paying for. Read more to learn some facts about auto insurance, or contact us today to know more about our services! You can also receive an INSTANT online quote on auto insurance here. Ask us about Mexico insurance!
Learn About the Basic Types of Car Insurance
Collision coverage – Collision coverage is the basic insurance that covers your vehicle if you’re involved in an accident that causes you to collide into something such as another vehicle, a wall, a barrier, or a bridge.
Comprehensive coverage – This type of insurance covers anything that happens to your vehicle that’s not related to a collision, including theft, fire, vandalism, or hitting a deer.
Liability coverage – Often required by law, this insurance covers damages when you are at fault in an accident that causes damage to another person’s vehicle or property.
Medical payments – Also known as PIP in some states, medical payment insurance pays for injuries to you (the driver) or your passengers for accidents that occur while you are driving. This type of insurance varies from state to state.
We Insure All Types of Vehicles, Including:
- Hot rods