There are so many vehicles on the road today. We can insure just about anything. AZ 101 takes pride in tailoring a policy to match your needs and style. Whether you're a new driver, or insuring the whole family, we have your back.
Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.
Do you track your car? See below to purchase track day insurance!
Call us today at (480) 576-2484.
Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
Medical Payments – This is also called PIP in some states. Medical payments pay for any injury to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.
GAP Insurance is an important coverage to have. If your vehicle is totaled, insurance companies only pay Actual Cash Value (ACV) and your loan could be much higher than the value of your vehicle. If this is the case, you will have a balance with your bank and required to cover the difference out of pocket. This endorsement will fill in the gap and can cover up to 150% of the retail value. Most dealerships sell this during the finance process so you may be covered. This is a good conversation to have with AZ 101 Insurance. (As a rule of thumb you can go to KBB.com and look up the trade-in value of your vehicle as this will give you an estimate what the ACV may be.)
Having a new driver in the household can double, if not triple your rates. Driving on these Arizona roads can be both intimidating to your new driver and scary as a parent; rightfully so. Arizona has the some of the highest rates in the country because we have some of the most dangerous roads in the country. There are carriers who offer competitive rates to help ease the sticker shock you might experience when your insurance agent tells you how much adding a new driver to your policy is going to cost.
The good news is we can walk you through the most cost effective way to add a new driver to your policy. There are several factors insurance carriers factor in when calculating your rate. The year, make and model, your child's GPA, if they have taken a drivers education course, and lastly if your child has any previous accidents or violations. We always recommend you do your homework and give us a call when you're ready. We will guide you through the process to help you save and get peace of mind.
Do you have a new driver in the household? We have a relationship with an A+ rated, local driving school and we can provide you a discount for attending. Gives us a call or drop us an email and we will send you the coupon code. When your new driver completes the course, AZ 101 will use the certificate and provide you with a discount on your auto insurance policy.
Purchasing High Performance Drivers Education (HPDE) insurance covers your vehicle while it's on the track, its never been easier protect your car when you're grinding gears and pushing redline!
Call us now to for a quote at (480) 576-2484!
Want a special license plate for your ride or is your registration about to expire? click on Service Arizona to go straight to the official website, then make sure to come back to us for a free quote to save money!
Any Payments made online will be applied to your account in 24 hours.
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Az 101 Insurance
9375 E Shea Blvd Ste 100, Scottsdale, AZ 85260
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