Auto Insurance

Coverage that follows you, not just your car. Built around how and where you actually drive.

Desert highway stretching through the Arizona landscape

Auto insurance does more than meet the state minimum. The right policy protects you if you cause an accident, if someone else causes one and isn't covered, and if something happens to your car when it's just sitting in the driveway. We shop multiple carriers to find coverage that actually fits your situation. Bundling your auto with a home policy often unlocks the best rate on both.

Core Coverages

The parts of an auto policy that matter most, explained without the jargon.

Liability

Pays for injuries or damage you cause to others. It's the legal minimum, but the right limits matter more than most people realize.

Collision

Covers damage to your own vehicle from an accident, regardless of who's at fault.

Comprehensive

Covers non-collision damage: theft, hail, fire, falling objects, or that one mountain goat (it happens).

Frequently Asked Questions

+Are state minimums enough?

Almost never. Arizona's minimums leave most drivers exposed in even a moderate accident. We'll show you what realistic limits look like for your situation and what bundling with your home policy can save you.

+What's the difference between collision and comprehensive coverage?

Collision covers damage to your car from an accident with another vehicle or object, regardless of fault. Comprehensive covers everything else: theft, hail, fire, flooding, and hitting an animal. Both have separate deductibles, and you can carry one without the other. If your car is financed or leased, your lender likely requires both.

+Will my rates go up if I'm in an accident that wasn't my fault?

It depends on the carrier and how many prior claims you've had. Some carriers don't surcharge for not-at-fault accidents, others do, especially if it's not your first claim. This is one reason shopping across multiple carriers matters: the rate impact for the same claim history can vary significantly depending on who's writing your policy.