There’s nothing more difficult than trying to do something you find time-consuming and tedious, like finding the right Arizona auto insurance quotes. We make looking at all your options a far simpler process than going it alone—and as a result of that comparison, you can end up with far more reasonable coverage than you anticipated.
Comparing plans from three or four different carriers makes good sense. You will find variation in cost structure—sometimes that will be large variation. So if you only look at one carrier you might end up paying far more than you have to for the same coverage. We know you don’t want to do that.
Auto insurance extras
There is basic coverage, mandated by law and sometimes by the holder of your auto loan. But then there are extras that may or may not be worth it. Some are and some aren’t. You’ll definitely pay more for them, but depending on your situation, it may be a good idea. Having a point of comparison can be helpful.
Here are some of the extras you might want to consider.
Up to 25 percent of drivers do not carry insurance at all, so uninsured or underinsured motorist coverage is very helpful. It’s something that helps safeguard you if a driver hits you but has no coverage, this can ease recovery of expenses.
Rental car coverage is also one of those things that will be handy if you lose the use of your vehicle during repairs, but still need to get to work, take children to school and do other routine daily drives. There is normally a cap on the length of time and dollar amount. If a car is critical to your daily life, look at this extra.
Little-known car insurance options
Roadside assistance can help with towing, lockouts and dead batteries. Compare the cost against that of other services to see if it’s something you want.
Full glass coverage makes certain that your windshield is covered if a break should occur. If you do a lot of highway driving, it might be worthwhile. Medical payments coverage will guarantee your medical expenses are covered if you are in an accident.
Extended warranty protection is little-known but can be useful.
If you have an accident that is your fault, your rates could go up as much as 40 percent. Consider accident forgiveness coverage. in which a carrier will not raise your rate after the first accident in which you are at fault.