Being a responsible driver in Arizona means that you’re adequately insured and adhere to all driving laws. Equally important is meeting that state’s coverage type and amount requirements. According to the Arizona Department of Insurance, motorists must maintain bodily injury and property damage coverage with minimum limits of $15,000 per person and $30,000 per accident and $10,000 per accident, respectively.
You have several options for obtaining auto insurance. If you’re a new driver, begin by contacting an independent insurance agency in Tempe, like Hegarty-Haynes Insurance. An agent can, after obtaining pertinent information about you and your vehicle, provide you with multiple quotes. You should also contact them before your current policy expires to compare premiums and ensure adequate coverage.
Additionally, it would help if you consulted an insurance agency in Tempe to compare policies whenever your circumstances change. Moving, changing jobs, buying a new car, and adding a second driver/vehicle may impact your plan. Some of these events can also make you eligible for discounts – for example, bundling your home and auto insurance.
Here are some tips to help you effortlessly switch insurance.
Comparison Shop
The Insurance Information Institute recommends getting three quotes, minimum, as “prices vary from company to company.” You’ll want to compare the policies’ premium, deductible, and limits of coverage. Inquire about any possible discounts (e.g., multiple vehicles, bundling home/auto, and safe driver) as well. An independent insurance agency in Tempe works with established firms to help you find excellent coverage at affordable prices. Contact Hegarty-Haynes Insurance today for a no cost insurance quote at (480) 820-2297.
Don’t Risk a Lapse in Insurance
According to the Arizona Department of Transportation, “failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license.” Even a temporary lapse between your old and new policy can put you at risk. The safest way to prevent a lapse in coverage is to ensure your new policy takes effect a few business days before your old plan is canceled. That will provide you with significant peace-of-mind.
Carry Proof of Insurance with You
Arizona requires that motorists possess and, upon request, provide proof of insurance coverage. The state accepts digital insurance cards, as well, which can be displayed on your smartphone. Download your insurer’s app, if applicable, on your iOS and Android device to satisfy this requirement digitally. Carrying a physical card in your glove box is still advisable since wireless data may not be available in all areas. Insurance cards are periodically mailed to you, or you can print them.
Consult an Independent Insurance Agency in Tempe
Contact Hegarty-Haynes Insurance at (480) 820-2297 for a complimentary insurance quote. As an independent insurance agency in Tempe, our company is committed to providing you with superior service and competitively priced insurance solutions for your auto, home/rental, and recreational vehicles. We also offer life and business insurance products and services. Experience the difference today by allowing Hegarty-Haynes to find the best insurance policy for your personal or commercial needs.
Resources:
“Help with Auto Insurance.” Arizona Department of Insurance, n.d., insurance.az.gov/consumers/help-auto-insurance.
“Nine Ways to Lower Your Auto Insurance Costs.” Insurance Information Institute (III), n.d., iii.org/article/nine-ways-to-lower-your-auto-insurance-costs.
“Vehicle Insurance Information.” Arizona Department of Transportation (ADOT), n.d., azdot.gov/motor-vehicles/vehicle-services/vehicle-insurance-information.
