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FREQUENTLY ASKED QUESTIONS

An Insurance broker is someone who is not employed by an insurance company but they are licensed insurance agents. Their job is to advise clients on their insurance needs and search out the best policy on their behalf. Click here to learn more.

The short answer is yes. There is a correlation between credit scores and individuals getting into accidents, and cancellation policies due to non-payment. It is important to keep your credit in good standing to ensure that your insurance rates do not increase. Click here to learn more. 

Umbrella insurance is extra liability coverage. It is there to help protect you from lawsuits and major claims. It helps protect your assets. For more information click here.

A deductible is how much money you will have to pay out of pocket before your insurance covers the rest of a claim. A lower deductible will lead to a higher premium, while a higher deductible will lead to lower premiums. Click here for more information regarding deductibles.

Insurance Fraud is when an individual deceives an insurance company in order to falsely obtain money they are not entitled to. This is a crime illegal in all fifty states, and there are a variety of different types of insurance fraud. Click Here for more Information regarding Insurance Fraud.

Yes, we would highly recommend it! Defensive Driving School is a simple four hour course that can be taken online. Your other two options are to pay the fine or fight the ticket which can be tiresome and expensive. A simple speeding ticket can significantly effect your rates which is why it is important to keep your driving record as clean as possible. Read our blog to learn more about the importance of attending defensive driving school.

When someone hits a parked car they are responsible for making contact with the vehicle owner. They must either wait for the owner to return to their car or leave a note with their personal contact information, insurance information and a description of the incident. If someone hits a vehicle and does not leave this information it then becomes a hit and run situation. Take pictures of the damage and call the police to file a report. For more information click here.

Filing an auto insurance claim should be done strategically. By considering factors such as the severity of damage, circumstances of the accident, who is at fault and your insurance policy, you can make an informed decision that best suits your needs and financial situation. Click here for examples and more information.

There is multiple reasons that this could be happening. One is that the Phoenix area has seen a massive rise in population and in turn drivers on the road. Another is that the used car market is rising, this means that a car that used to be worth about 6k is now worth upwards of 10k. With car technology becoming better and better it means the parts become more and more expensive. With a new car comes a lot of new things that can break and cost you and your insurance company lots of money.

In the event of an accident, it is important to remain composed, stay at the scene in a secure spot, capture photographs of the surroundings, and exchange contact and insurance details with the other party involved. After getting the necessary photos and information from the accident it is time to contact the appropriate insurance company. If the other person seems to be at fault you should call their insurance company. Click here to learn more.

It is always important to call the police after you get into an accident. The police are available to give medical attention to anyone who is injured. They also protect the scene of the accident and investigate to make sure that the truth of what happened. If you are not at fault the police report will be vitally important, especially if you plan to bring them to court. Click Here for More Information.

If your vehicle was deemed to be "totaled" by the insurance company you have a few options. The company will be giving you money to buy a new vehicle, if you would rather repair your vehicle you can. However, this will then require you to get a salvage title with the state you live in. Salvage titles can make a car more difficult to sell and it is harder to get the vehicle insured. Click Here For More Information Regarding Salvage Titles.

Home Insurance is designed to protect the physical structure of your house and its contents from a variety of risks. However, it doesn't typically cover the value of the land your house sits on. When an insurance company is determining how much coverage you need they take into account things like cost of materials and labor that it would take to rebuild your house on the land you already own. For more information click here.

A Vacancy Permit is an endorsement added to a homeowner policy that extends your home insurance to maintain coverage and insure the property while it is vacant. They are usually issued for a specific length of time and reduces coverage to your insurance. Click here learn more.

There are a few ways to save money on your insurance plan.

1. Maintain a Good Credit Score

2. Bundle your Insurance Policies

3. Increase your Deductible

4. Improve the Security of your Home

5. Make your Home more Resistant to Fire and Natural Disasters

6. Ask your Insurance Company about Other Discounts

Click Here for More Information.

For  Any More Questions Contact Us at the AZ Insurance Team!

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