Home » Auto Insurance in Mesa, Apache Junction, and Chandler, AZ

Auto Insurance in Mesa, Apache Junction, and Chandler, AZ

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you. person driving car during daytime

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

  • Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
  • Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Arizona, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
    • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
    • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
  • Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
  • Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
  • Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Understanding an SR-22 Request

SR-22 isn’t a type of insurance; instead, it’s a document that proves you have insurance that meets your state’s minimum liability requirements. If you’ve had certain types of traffic violations, such as a DUI or reckless driving, you might be required by the state to file an SR-22 form. If you must file an SR-22 form, notify your agent or insurer immediately.

Can You Get Car Insurance With a Suspended License?

Getting car insurance with a suspended license is possible, but it can be challenging and more expensive. Insurance companies typically view drivers with suspended licenses as high-risk, which often results in higher premiums. The specific circumstances surrounding the suspension, such as DUI or reckless driving, can further impact the cost.

If you have a suspended license, it’s crucial to consult with an insurance agent to explore your options and fulfill any state or lender requirements.

How to Get Auto Insurance

Fast Insurance is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

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