Car Insurance
Arizona Car Insurance Quotes
At Mutual Point Insurance, we comparison shop car insurance in order to find a company that’ll offer you outstanding rates without skimping on coverage. Most independent guides will tell you the best way to find great insurance is to get quotes from many different insurance companies. That can be a time consuming and energy draining process. That’s why we do it for you! Contact us, request quotes, or stop by our office in Chandler, AZ to get started now.
Car Insurance Coverage
Auto Liability
Covers bodily injury and property damage you cause in an auto accident.
Collision
Covers physical damage your vehicle sustains in a collision with another vehicle or object.
Comprehensive
Covers physical damage your vehicle sustains in an accident other than a collision.
Uninsured/Underinsured
Covers bodily injury you sustain in an accident with someone that has too little or no insurance.
Medical Expenses
Covers medical expenses you or passengers sustain, without regard to fault.
Roadside Assistance
Covers towing, fuel delivery, and other roadside services, if your vehicle becomes disabled.
Rental Reimbursement
Covers the cost of a rental while your vehicle is being repaired from a covered incident.
How Car Insurance Works
Basics of Car Insurance
Insurance is a contract between you and the insurance company. You pay them an agreed amount, known as the premium, and they agree to pay for certain losses you experience or damages you cause.
Auto insurance, for example, will transfer the cost of bodily injury or property damage you cause with your vehicle to the company (up to the specified limits of coverage). This helps protect you from financial devastation and helps keep the community at large safe from costly accidents.
There are many coverage options available. We can help explain your options and craft a policy customized to your specifications.
Vehicles We Cover
Private passenger vehicles
Pickups
Uber / Lyft
Classic cars
Exotic cars
And more
Car Insurance Questions
Yes. According to the Arizona Department of Transportation, liability coverage is required for any motor vehicle operated on public roads. The minimum coverage is $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage liability.
While the state requires a minimum amount to ensure coverage for many minor accidents, it isn’t enough to cover moderate to severe accidents. For example, $15k in property damage coverage probably won’t be enough if you cause an accident that totals out another person’s new vehicle.
Full coverage isn’t a proper term for insurance coverage. It is often used as a shorthand and can mean different things to different people. It usually refers to the combination of collision and comprehensive coverage but because it isn’t clearly defined, it’s best to review your policy to ensure it has each coverage you need.