Auto Insurance in Phoenix , AZ
Auto insurance may protect you and your vehicle against unforeseen economic losses, allowing you to drive with confidence. Understanding how car insurance works, exploring cost factors and recognizing its importance are vital to helping you secure the financial protection you need.
How Does Auto Insurance Work? 
Car insurance is a contract between you and an insurance provider. You pay a premium, and in return, the insurer agrees to provide financial assistance following an accident, theft or other damage as outlined in your car insurance policy. Common coverages in auto insurance policies include:
- Liability coverage can pay for third-party medical bills or damages for which you’re at fault.
- Collision coverage may cover physical damage to your vehicle following a collision.
- Comprehensive coverage can pay for damage to your car caused by noncollision mishaps.
- Medical payments coverage may help pay for medical bills if you and your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage can cover losses from someone who does not have adequate insurance to pay for the damages they cause to you.
Regularly reviewing your auto policy, including coverage limits and any exceptions, is recommended to ensure you’re adequately protected. An Always Insured agent can help you learn more about optional benefits that may suit your needs.
Why Is Auto Insurance Important?
Accidents happen unexpectedly, and medical bills, vehicle repairs and legal fees can be expensive. Having adequate insurance coverage could help you avoid significant financial burdens and provide you peace of mind.
How Much Does Car Insurance Cost?
Insurers consider several factors in determining the cost of your premium, such as your age, driving record, type of vehicle and coverage options. Factors such as weather conditions or the frequency and severity of accidents in an area may also influence insurance rates.
The good news is that purchasing auto insurance has never been easier. Our agency can present you with quotes from numerous insurance companies, enabling you to receive the coverage that serves you best.
Learn More
If you live near Phoenix , AZ, we can help you find the right auto insurance policy. Contact us at Always Insured to receive your instant auto insurance quote.