AssuranceAmerica Insurance Agent Arizona: Providing Non-Standard Auto Insurance Coverage
AssuranceAmerica Insurance Agent Arizona specializes in providing non-standard auto insurance policies to high-risk drivers in Arizona. If you’re a driver in Arizona with a less-than-perfect driving record, AssuranceAmerica can help you obtain the insurance coverage you need. Their policies are best for drivers who can’t acquire insurance from standard companies and aren’t seeking the most comprehensive coverage.
AssuranceAmerica insurance costs vary based on your coverage amount, state, and driving record. As an AssuranceAmerica customer, you can report a claim 24/7 by calling 1-888-580-8134. In this article, we’ll look closer at AssuranceAmerica insurance agents in Arizona and what they can offer you.
Based in Atlanta, Georgia, AssuranceAmerica Insurance Company and AssuranceAmerica Managing General Agency are the subsidiaries that form AssuranceAmerica. With over 2,600 highly professional independent agents, AssuranceAmerica provides property and casualty insurance to the non-standard private automobile segment. Established in 1998, AssuranceAmerica has built a reputation for its commitment to excellence and creating a work environment where every associate can learn and grow.
Understanding Non-Standard Auto Insurance Coverage
Non-standard auto insurance is designed for high-risk drivers who may face difficulties obtaining standard car insurance. This type of coverage is sold to those drivers who find it difficult or impossible to be insured due to the risk factors involved. Non-standard auto insurance policies are essentially the same as standard ones, except the premiums are more expensive. Under a non-standard auto insurance policy, drivers who are insured normally receive the same type of coverage as good drivers but with some restrictions.
Non-standard auto insurance is typically more costly to the vehicle owner than a traditional policy since the insurance company has a greater risk of paying out funds due to an accident. Non-standard auto insurance is for vehicle owners who have a poor driving record or a history of accidents. Non-standard drivers are those perceived as higher risk by auto insurance companies. Some companies won’t insure high-risk drivers, but fortunately, some companies offer what is known as non-standard auto insurance.
You can get non-standard car insurance from some major insurance companies, subsidiary non-standard insurance companies, or companies specializing in non-standard or high-risk auto insurance. Non-standard auto insurance covers drivers with a higher risk of filing a claim with their insurance company. Non-standard auto insurance policies may have higher deductibles than standard policies, which allows the insurance company to keep monthly premiums at a somewhat reasonable level. To obtain non-standard auto insurance, you can generally follow the same steps as you would to purchase a traditional policy.
In Arizona, it is mandatory for every motor vehicle operated on roads in the state to be covered by liability insurance through a company that is authorized to do business in Arizona. The minimum coverage required for Arizona drivers is $25,000 bodily injury liability for one person $50,000 for two or more persons, and $15,000 for damage to others’ property.
These minimums are relatively low, and it is recommended that drivers are covered above state minimums to avoid covering some out-of-pocket costs. It is important to note that these minimums are subject to change, and as of July 1, 2020, the minimum coverage required for two or more persons sustaining bodily injury or death in an accident increased to $50,000.
Why Minimum Coverage is not enough
As an independent insurance agent, advising potential clients that minimum auto insurance coverage might not be the best option is important. While it is mandatory for every motor vehicle operated on roads in Arizona to be covered by liability insurance through a company that is authorized to do business in Arizona, the minimum coverage required for Arizona drivers is relatively low. The minimum coverage required by law may not be enough to protect drivers in an accident, and it is recommended that drivers are covered above state minimums to avoid having to cover some costs out of pocket.
In addition, minimum coverage may not compensate for damages to the driver’s vehicle, resulting in out-of-pocket expenses that they may be unable to afford. It is important to consider the disadvantages of minimum coverage before settling for it and to discuss options with insurance providers to ensure that drivers are sufficiently protected in the event of an accident.
It is important to advise potential clients that minimum auto coverage might not be the best option. While it may seem like a cost-effective solution, it may not provide adequate protection in the event of an accident. It is recommended that drivers carry at least $100,000 of bodily injury protection per person and $300,000 per accident. It is also important to note that minimum coverage requirements are subject to change, and it is always best to cover above-state minimums to avoid covering some costs out of pocket.
To find affordable auto coverage in Arizona, drivers can follow these tips:
– Shop around for car insurance to get better coverage for a similar or lower price.
– Take advantage of as many discounts as possible, such as accident forgiveness, low mileage, student driver, or multi-line discounts.
– Complete an approved, eight-hour traffic school course to keep points off your driving record.
– Increase your deductible to a higher amount that you can reasonably afford.
– Maintain a clean driving record.
– Consider companies that specialize in non-standard or high-risk auto insurance.
It is important to note that while cost is a significant factor, it is also important to consider the level of coverage provided by the policy. Drivers should aim to find a balance between affordability and adequate coverage to ensure they are protected in the event of an accident.
Why choose Blake Insurance Group as your Local AssuranceAmerica Insurance Agent Arizona
Blake Insurance Group is an independent insurance agency that works with major insurance companies like Progressive, Safeco, and UnitedHealth Insurance to find the best coverage for clients’ needs. They offer personalized home, auto, business insurance solutions, and more. Choosing Blake Insurance Group as your local AssuranceAmerica Insurance Agent in Arizona has several benefits, including:
Personalized service: Blake Insurance Group’s experienced team works and lives in the same area as their clients, providing distinctly personalized service to clients shopping for insurance in Arizona.
No broker fees: Blake Insurance Group does not charge broker fees, which means clients can get the best possible value for their insurance dollars and the right coverage to protect their assets and financial well-being.
Access to multiple insurance companies: Blake Insurance Group works with over 40 top-rated insurance companies in Arizona and Texas, providing clients with various options.
To find affordable auto coverage in Arizona, drivers can follow the earlier tips, such as shopping around for car insurance, taking advantage of discounts, maintaining a clean driving record, and considering companies specializing in non-standard or high-risk auto insurance. It is important to note that while cost is a significant factor, it is also important to consider the level of coverage provided by the policy. Drivers should aim to find a balance between affordability and adequate coverage to ensure they are protected in the event of an accident.
Reasons to Switch Car Insurance Companies
There are several reasons why you might consider switching car insurance companies. Some common reasons include unsatisfactory customer service, cheaper rates, better coverage, policy changes or restrictions, a new car purchase, a recent move, or other life changes. Switching car insurance companies is relatively easy and can save money or provide better coverage or service.
When considering switching, it is important to research and compare quotes from multiple companies to ensure you are getting the best deal. It is also important to consider any penalties or fees associated with canceling your current policy mid-term. To switch car insurance companies, you must gather several quotes, research your options, and purchase a new policy before canceling your old one.