Vanyo Insurance Group has experienced agents who will take the time to explain the various coverages that are commonly included in an auto insurance policy, suggest limits, and offer options that are appropriate for your particular needs. Once we’ve settled on the coverage that would be best for your situation, we’ll check the rates with multiple, reputable companies to ensure you receive the right coverage and the best value available.
Car Insurance FAQs
How much auto insurance do I need in Arizona?
The Arizona minimum auto insurance requirements are designed to provide a small level of protection in the event you damage someone else’s property, or you cause harm to another person. In Arizona, drivers need a minimum of $25,000 per person and $50,000 per accident for Bodily Injury Liability Coverage and $15,000 per accident for Property Damage Liability Coverage.
What is the best deductible?
The best deductible is what you can afford to pay out of pocket when you file an auto insurance claim. The higher the deductible, the lower your premium will be, and vice versa. A higher deductible means your accepting a more significant portion of the risk yourself. It is best not to take on more risk than you can afford.
What is “full coverage?”
There is no such thing as “full coverage” insurance. Full coverage auto insurance is a term that is used to suggest you have chosen protection that goes beyond the minimum coverage required by your State. It typically includes collision and comprehensive coverage, personal injury protection or medical payment coverage, and uninsured and underinsured motorist coverage.
How can I save money on my car insurance?
You can save money on your car insurance by avoiding moving violations, crashes, DUIs, and other incidents. By having a clean driving record, you may also qualify for a safe driver discount. Students may qualify for good student and student-away-at-school discounts. Your vehicle’s anti-theft devices and safety features may also provide more discounts. Paid-in-full, multi-car, and prior carrier discounts are also common.
How long does an auto accident affect my insurance?
A crash won’t impact your car insurance premiums forever. After about three to five years, your rates should recover. Exactly how long this takes will depend on the type of accident as well as the company you are insured with.
Is buying direct cheaper than buying through an agent?
Buying direct is not always cheaper than buying through an agent. You might think that cutting out the middleman would result in cheaper car insurance rates, but when it comes to insurance, this isn’t the case. In fact, an independent agent, one that represents many insurance companies, can often save you money.
What is the best auto insurance company?
The best auto insurance company differs per individual. No insurance company is objectively the best. It all depends on what you’re looking for. Do you want the best customer service, the broadest coverage, or the lowest rates? Or maybe you have unique coverage or underwriting needs? An agent can help you compare car insurance quotes from multiple insurance companies and find the right policy for your situation.
What is the best or cheapest auto insurance rate?
The best or cheapest auto insurance rate can be found by comparison shopping. Compare premiums as well as differences in coverage. An independent insurance agent can help. They can provide options from multiple carriers, along with the expert guidance you need to make a smart choice.
How do I switch to a new auto insurance company?
You can switch to a new auto insurance company at any time, but to avoid overpaying or violating state law, you do need to watch out for a couple of things. car insurance policies are often sold for coverage periods of six months or one year. In some cases, you may be charged a fee if you decide to cancel your insurance policy early. You may also be entitled to a refund for the unused portion of the premium. You also want to make sure you have continuous coverage to avoid a coverage gap.
Major Auto Insurance Coverage
You drive your car to work and back, then off to the grocery store or the theater. If you have children, you probably pick them up from school or even cart around their friends. Perhaps you bought your car for $500 bucks, or you’re still making $500 monthly payments. Whatever your life situation, you need adequate auto insurance to offer financial protection should something happen on the road. Consider how these auto insurance coverage options could be a life saver:
Collision Coverage – If you have a fender-bender with another vehicle, or simply back into a tree that you swore wasn’t there before, Collision insurance will pay for repairs or the replacement of your car.
Comprehensive Coverage – Collisions aren’t the only risk. Comprehensive covers costs and damages associated with engine fires, hail damage, vandalism, hitting a deer and other non-collision related accidents.
Bodily Injury Coverage – Accidents often result in injuries. This coverage provides financial compensation to others for injuries or death that you are found responsible for.
Property Damage – This coverage reimburses others for damage that you caused with your vehicle. Common property damage claims include damage to another vehicle, a fence, a building, or other such property.
Uninsured / Underinsured Motorist – UI/UIM provides coverage to you and your passengers should you have an accident with another motorist who is uninsured or underinsured. Even while insurance is required in Arizona, this happens more often than you would expect.
Auto Insurance Discounts
While making sure you are properly covered is our primary objective, we understand that everyone loves to save money. Depending on your personal qualifications, you may have access to several discounts on your auto insurance. Some potential policy discounts offered by Vanyo include:
- Multi-car discount: Insure more than one vehicle on a single policy.
- Good driver discount: Gain rewards for having no accidents or moving violations.
- Good student discount: As and Bs in school can add up to big savings on auto insurance.
- Safety features discount: Qualify for a lower premium if your car has safety features such as Anti-Lock Brake System, Airbags, and Anti-Theft Devices.
Bundle Policies to Save on Auto Insurance
Do you have multiple vehicles and/or properties to insure? If that is the case, one or more discounts may be available when you bundle several personal policies together. We’ll be sure to check and see how bundling your auto insurance with other policies from the same insurance company can save on your total insurance bill.
Contact Vanyo for an Auto Insurance Quote
Whether it’s your auto, motorcycle or another vehicle, Vanyo Insurance Group can help you insure it properly, protecting you from financial loss. Request a consultation with one of our agents today to begin your no obligation insurance quote.
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