Posts Tagged ‘Arizona Auto Insurance Quote’

Auto insurance policies provide coverage based on the contract and the coverage’s that you purchase. I am most concerned when I get the call into the office and someone asks for a quote for “FULL COVERAGE’” or a quote for “JUST THE STATE MINIMUM”. In most cases, the person has no idea what they have just asked for! Let’s take a look at each coverage, and consider that when you are purchasing this product you can pick and choose the type and amount of coverage’s that make sense.

In Arizona, I like to start with what I believe is the most important :

UNINSURED and UNDERINSURED MOTORIST: This portion of your auto policy contract protects people in your car, including you ,that may be hurt or injured by another automobile that has no insurance or not enough insurance. Remember that in the State of Arizona, it is the at-fault party that is responsible for paying for your injuries…. If they do not have insurance , or they do not have enough insurance… you protect yourself and your family with this coverage! (I never rely on anyone else to take care of my needs, and thus I feel this to be the most important protection)

LIABILITY: If you cause the accident, you are responsible to pay for damages and injuries. This coverage is like the mote around your castle!! The liability insurance pays out first…. When the limits are all used up, the rest of the money owed comes out of your pocket! This could mean your future income is garnished. All of your assets, with a few exceptions are on the line! The more assets you have the more liability limits you want. (BIG CASTLE NEEDS BIG MOTE!)

Next in importance:

MED PAY: This provides medical coverage for all people in your car, regardless of who is at fault in an accident. If you have health insurance, you may not need this coverage. If you don’t have health insurance, or you have a very high deductible, you might want to add this to your policy.

COMPREHENSIVE and COLLISION: There are only two coverage’s on an auto policy that protects the car itself. To remember what each does, COMPREHENSIVE covers everything other than a COLLISION. If you can financially afford the loss of your car, (It’s so old it’s not worth much, or you have the ability to replace it without it being a financial burden) you might not want to purchase these two coverage’s. You have no choice if there is a lien on your car.

Nice to have:

RENTAL REIMBURSEMENT: Just like it sounds… but only comes into play if there is a COMPREHENSIVE or COLLISION loss. It is not going to pay because the car is in need of maintenance.

EMERGENCY ROAD SERVICE/TOWING: This Coverage is so inexpensive, I believe that everyone should have this as part of their auto policy package.

DEATH & DISSMEMBERMENT: Inexpensive and nice to have in a tragic accident.

Loss of earnings: Usually a small percentage of your income

You will spend a great deal of money over your lifetime in purchasing Auto Insurance. Take the time to work with a professional to tailor a policy that meets your needs and expectations

Insurance Quotes R Us is an insurance agency in Scottsdale, AZ that is dedicated to helping residents of Scottsdale AZ with their insurance needs.  To get a free Arizona Auto Insurance Quote, fill out one of the forms on our website or call us at 480-946-5322.

New research shows how you talk to your teen about safe driving can affect the likelihood of your teen having a tragic crash

Car crashes remain the No. 1 cause of death among teens; however many teen driver-related injuries and deaths are preventable. This year, as part of National Teen Driver Safety Week (NTDSW), Oct. 18-24, We have an important message to share with Scottsdale parents: how you talk to your teens about safe driving can significantly affect the likelihood of your teen having a tragic crash.

In 2007, 183 people were killed in crashes involving teen drivers in Arizona. Since 2005, Arizona crashes involving teen drivers have claimed 1044 lives. On a national level, since 1999, almost 78,000 people have been killed in crashes involving teen drivers. October averaged the highest number of teen vehicle crashes and on average the number of 16- and 17-year-old driver claims involving injury or collision increases nearly 20 percent in October as compared to other months.

On October 23, 2009 during the Coronado/Tempe High School football game, agent Joy Estes, in conjunction with the Scottsdale Police Department, will be holding a teen driver safety fair. The Scottsdale PD’s crash car as well as demonstrations and other activities will take place. Participants will be exposed to a wealth of information critical to preparing teens for driving as well as information for teens already on the road.

The Children’s Hospital of Philadelphia formed the Young Driver Research Initiative (YDRI) to reduce teen driver deaths through scientific research. A new study based on the National Young Driver Survey of more than 5,500 teenagers revealed that the way parents communicate to their teens about safe driving can strongly influence their teens’ likelihood of a car crash.

The study, Driving: Through the Eyes of Teens: A Closer Look, revealed that teens who said their parents set clear rules, paid attention to whom they were with and where they were going, and did so in a supportive way were:

• Half as likely to crash
• Twice as likely to wear seat belts
• 71 percent less likely to drive while intoxicated
• 30 percent less likely to use a cell phone while driving

The study also revealed:

• Parents need to be sure their teens receive at least 50 hours of supervised practice under a wide variety of conditions while learning to drive.
• Limiting primary access to vehicles during the first 6 to 12 months of driving is important. Teens who are the main driver of a vehicle are more than twice as likely to report having been in a crash than teens who share a car with a family member

Insurance Quotes R Us is an insurance agency in Scottsdale, AZ that is dedicated to helping residents of Scottsdale AZ with their insurance needs.  To get a free Arizona Auto Insurance Quote, fill out one of the forms on our website or call us at 480-946-5322.

About The Children’s Hospital of Philadelphia
The Children’s Hospital of Philadelphia was founded in 1855 as the nation’s first pediatric hospital. Through its long-standing commitment to providing exceptional patient care, training new generations of pediatric healthcare professionals and pioneering major research initiatives, Children’s Hospital has fostered many discoveries that have benefited children worldwide. Its pediatric research program is among the largest in the country, ranking third in National Institutes of Health funding. In addition, its unique family-centered care and public service
programs have brought the 430-bed hospital recognition as a leading advocate for children and adolescents. For more information, visit http://www.chop.edu.