What to Look for in an Auto Insurance Policy

When it comes to auto insurance, there are many things to take into account. It can be difficult to know what type of policy is right for you and even more difficult to find the right company to provide that policy. But don’t worry. In this post, we’ll outline some of the most important factors you need to consider when looking for auto insurance, as well as some tips on how to find the best policy for your needs.

1. Minimum Coverage Required by Law

Every state has different requirements for auto insurance coverage. In most cases, you need to have your policy meet or exceed the minimums required by law. However, you should never assume that meeting the bare minimum is best. It’s always a good idea to talk with an insurance agent about how much coverage you really need and what additional coverage might be able to protect you better.

2. The Deductible

The deductible is the amount of money you pay out-of-pocket before your policy kicks in and starts paying for damages or injuries caused by an accident, theft, or another covered event. Your deductible is an important part of your policy because it’s what you’re responsible for if something should happen.

3. The Coverage Details

Of course, not only should you know what your policy covers, but it’s important to know all of the details about each type of coverage included in your policy. This is crucial to know exactly what you’re getting and if it’s the right protection for you. Whether it’s collision coverage, comprehensive coverage, or uninsured motorist protection, being familiar with these details can help you better use the insurance policy once a covered event takes place.

There are many different things to consider when looking for auto insurance. Finding the right policy can be difficult, but understanding some of the most important aspects can go a long way in helping you find what’s right for you. Looking for auto insurance in Scottsdale, AZ? Alliance Insurance Partners is here to help you. Give us a call today for a free quote.

Is It Time To Shop For New Auto Insurance?

Auto insurance is probably one of your most important expenses each month. Your auto insurance provides an important safety net for you and your family as well as for other drivers on the road. In addition to this, your auto insurance expense is one of the few expenses you will have that is actually required by law. This makes it even more important to make sure that you are always getting the best possible deal. At Alliance Insurance Partners serving Scottsdale, AZ, we are bringing you the best most up-to-date insurance information to help you make the best insurance choices. Keep reading to find out when you should shop around for new auto insurance. 

Getting Married

If you are getting married then this is a great time to shop for new auto insurance. Combining policies for you and your new spouse is an important way to simplify your monthly expenses and to save money as well. Many companies offer special discounts for married couples. 

Buying A Home

Homeowners often qualify for special auto insurance discounts or bundling opportunities. If you are purchasing your first home, consider shopping for new auto insurance too. 

Adding A Driver

When you add a new driver to your policy, it is a good time to shop around to see if other companies are offering better rates. 

Getting Older

As we age, auto insurance rates will change. Many people find that shopping around for a new policy at least once a year helps them always stay on top of the best deals available. 

If you would like to learn more about our insurance products and services, please contact us at Alliance Insurance Partners serving  Scottsdale, AZ today. We will be happy to answer your insurance questions and help you find the right policy for you. 

Assess Your Auto Insurance Needs with Help from an Agent

Are you planning to get automobile insurance for the first time? Whether you’re new to this realm or want to switch over from another provider, it’s a good idea to talk over your unique needs with a qualified auto insurance agent. An agent from Alliance Insurance Partners of the Scottsdale, AZ area will be able to break down the terms and help you understand what’s involved. 

Review Your Auto Insurance Each Year

It’s in your best interest to look over your auto insurance on a yearly basis. This is especially the case if you’ve had recent life changes that might affect your policy. You’ll rest easier knowing that your coverage reflects your needs and situation. 

Factors Affecting Your Insurance Rates

The amount that you’ll pay for your insurance is based on different factors. Some of these are out of your control, like your age and where you live. However, you have control over your limits, deductibles, and coverages. For instance, you likely can reduce your premium if you increase your deductibles. Get the details from your agent to reduce your stress levels. 

Discounts May Apply 

Talk to an agent about any discounts that would be available to you. You may be eligible if you’ve bought a house recently and want to bundle your auto and homeowners insurance policies. If you have certain safety features, it can make you eligible. Some others include getting good grades and practicing safe driving. 

Regardless of your situation, you would do well to contact a trustworthy insurance agent at Alliance Insurance Partners. Serving the greater Scottsdale, AZ area, we’re equipped to make it easier to understand all the in’s and out’s. 

 

 

It’s a New Year – Time to Update Your Auto Insurance

Every year brings new changes to your life and lifestyle. Lifestyle changes may affect the coverage of your auto insurance policy. By reviewing your auto insurance with Alliance Insurance Partners in Scottsdale, AZ, you’ll have a better idea if it’s necessary to update your policy. Here are a few reasons why you may need to update your auto insurance policy.

Personal Changes in Your Life

If you got married or divorced within the last year, you may want to add or subtract a spouse from your auto insurance policy. This can affect insurance coverage and costs. If you got married and your new spouse has a car, you can save money by getting a multi-car policy. If you got divorced, you can save money by taking your former spouse off your policy.

New Job

If you got a new job that requires quite a bit of driving, particularly long distances, you should ensure you have sufficient insurance coverage to protect your assets in the event of an accident. The more you drive, the greater your risk of accidents. You don’t want to be caught short because you forgot to update your policy.

Review your policy carefully to see if you have sufficient coverage for your needs. You may want to add extra coverage such as collision or comprehensive, if you don’t currently have, or increase your liability limits to expand your protection on the road.

Upgrades to Vehicle

If you added new safety features to your vehicle or made major improvements to enhance its function, you may qualify for a discount on your policy, saving you money on auto insurance costs.

To update your auto insurance to maintain adequate protection or lower insurance costs, contact an agent from Alliance Insurance Partners in Scottsdale, AZ today.  

How Does Your Teen Driver Affect Auto Insurance?

Your Scottsdale, AZ teen needs to be insured and, unfortunately, having a teen driver is likely to raise your rates. The reasons why teen drivers are more expensive to insure is because new drivers are dangerous on the roads. As a group, teen drivers have more tickets and accidents than the average driver.

While a teen driver can have his or her own policy, it’s often cheaper to add them to an existing policy. The premiums are often based on the driving record of the policyholder. A teen driver won’t have a good driving record established, so adding the teen to an existing policy will help with that.

The type of car your teen will drive will also affect auto insurance levels. Premiums are based on the type of car as well. You are better off having your teen drive a car that costs less to insure, such as a four-door sedan or a crossover SUV, instead of a car with a much bigger and faster engine. You also want to keep in mind the various safety features that can benefit your insurance. There may be other discounts available, such as a good student discount for those that have a “B” average or better. Contact your agent and discuss these issues to find out more.

If your teen is not living with you and away for school, talk to an agent about a different rate if they aren’t going to be driving the car on a regular basis and just driving during breaks.

With a teen driver, you may want to consider an umbrella policy in order to have more coverage if your teen gets into an auto accident and you get sued. An agent at Alliance Insurance Partners can help you decide the right amount of coverage for your needs.

Contact Alliance Insurance Partners, serving Scottsdale, AZ, to get a quote on auto insurance for your teen driver.

When to Call Your Auto Insurance Agent After An Accident

Alliance insurance Partners works with you to ensure we cover every situation when it comes to auto insurance. Located in sunny Scottsdale, AZ we serve our residents here with pride.

Whether you are in a fender-bender or an accident that involves the need for emergency medical attention, contacting your insurance agent is critical. When you are involved in a motor vehicle accident, it is not always easy to think clearly. It can leave you in a daze, and the adrenaline can affect your judgment.

It is also challenging to be objective in this situation. Adrenaline is rushing through your body at a high rate of speed, and you may be in an emotional state since the wellness of your physical body has just been threatened.

Immediately, people involved in a motor vehicle accident tend to want to assign blame either to themselves or the other party. Believe it or not, that is not as important as making sure you are medically OK. Your first call should be to the police. Depending on the severity of the accident, the 911 operator may call for an ambulance simultaneously.

Your second call should be to your car insurance agent. They will tell you the best way to proceed. It is important that you have a policy that protects your vehicle and your health. An auto insurance policy has much more coverage beyond the liability if you work with an agent to build a quality plan.

Start our alliance today! If you are already a part of the Alliance Insurance Partners family, stop by to say "Hi" and to review your policy. We want to serve the Scottsdale, AZ and neighboring areas with a smile and lasting impression. Try our online rating tool for quotes from home on auto insurance. Our agents can also work with you to determine if you need an update to your policy. Reach out to us and let us help you.