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.

1. New business discount: May offer you a discount as a new policyholder if you have been accident-free for a specific period of time.
2. Accident-free: Policyholders who have been accident-free while being insured with the same insurance company for several years may be eligible for reduced premiums.
3. Discounts for other insurance lines: Premiums may be reduced if you insure your home, life or health with the same company that covers your car.
4. Multiple cars: Premiums may be reduced if there are two or more private passenger cars in the household insured by the same company.
5. Air bag/passive restraint: Cars that are 1993 or older and are equipped with air bags or automatic seat belts may receive this discount. Certain makes and models of newer vehicles may receive the Vehicle Safety Discount because of the lower medical payments associated with them. The Vehicle Safety Discount is for autos 1994 or newer. Certain makes and models may have a decrease in their premiums because of lower medical payments associated with those specific makes/models.
6. Antitheft devices: Some insurance companies offer discounts on comprehensive coverage premiums when certain antitheft devices are installed or built into a vehicle.
7. Defensive driving course: Premium discounts sometimes are offered for the voluntary completion of specified driver improvement courses.
8. Good student: Full-time students (high school or higher level) maintaining at least a “B” average may qualify for reduced premiums with many companies.
9. Longevity Discounts: Length of time you have been with an insurance company may also afford you a reduction in premiums. This is a good reason to keep in contact with your current carrier to see if you are approaching another discount and allows for the opportunity to review your file for things that may have been missed.
10. Low usage of a car can impact the rates. Antique cars, Replicas, cars that are stored and not driven months at a time. All of these may have a special premium with your insurance carrier.
11. Older, less valuable cars, may not need to have Comprehensive or Collision coverage. If the cost for these two coverages represent more than 10% of the value of the car, chances are it is time to review the policy and consider dropping these coverages.

These are just a few of the common discounts offered by insurance companies. For more details contact your insurance company or agent or get a free Arizona Auto Insurance quote today. Above all, drive safe.

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.

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