Want To Understand Your Arizona Auto Insurance Policy?

Join the crowd. Many people don't have a clue what their policy covers. Here's a quick and simple explanation of what each line covers. If your policy does not have one of these coverage options then you don't have coverage.

Naturally, you'll want to consult with you agent before making any decisions on reducing coverage or making any changes to your policy.

If you're looking to compare rates on your Arizona Auto Insurance you can use our easy 1 page quote forms at Phoenix Auto Insurance.

When selecting Arizona auto insurance you are faced with many choices. For your convenience, the following is a general overview of the basic components of an Arizona auto insurance policy. Please keep in mind that the coverage descriptions below are for your convenience only in reviewing this form; the descriptions are not intended to, and do not, describe, summarize or represent the actual language, terms or conditions of any Phoenix Arizona Auto Insurance policy you may purchase. Always Read Your Policy. Instead, the Arizona auto insurance policy you purchase will define and describe the coverage, terms and conditions of your auto insurance. Bodily Injury Liability - Protects you by paying Bodily Injuries sustained by a third party, up to policy limits, due to an accident caused by you or a permissive driver driving your vehicle. Property Damage Liability - Protects you by paying Property Damage sustained by a third party, up to the limits, due to an accident caused by you or a permissive driver driving your vehicle. Uninsured Motorist - This pays you and/or passengers what should have collected from the at fault party when they have NO insurance or it is a hit and run accident. This is for Bodily Injury claims only and does not cover your vehicle. Underinsured Motorist - This pays you and/or passengers what should have collected from the at-fault party when they have INADEQUATE insurance. This is for Bodily Injury claims only and does not cover your vehicle. Medical Payments - This pays for reasonable medical and funeral expenses incurred up to the policy limit. It covers you and any persons in, entering, or exiting your vehicle without regard to fault. Collision Coverage - This pays for damages sustained to your vehicle in the event your vehicle strikes an object, is struck by another vehicle, or your vehicle overturns. By increasing your deductible you would lower your premium and have higher out-of-pocket costs in the event of a claim. By decreasing your deductible you would increase your premium and have lower out-of pocket costs in the event of a claim. Comprehensive (Other than Collision) Coverage - This pays for most damages that are not caused by a collision: hail, wind, fire, theft, falling objects, vandalism, collision with an animal, and others perils. By increasing your deductible you would lower your premium and have higher out-of-pocket costs in the event of a claim. By decreasing your deductible you would increase your premium and have lower out-of-pocket costs in the event of a claim. Full Glass Coverage Option - In the event you have a glass claim only, there would be no out of-pocket expense. Rental Reimbursement - In the event your vehicle is involved in a collision or comprehensive claim, the insurance company will pay for a rental car while your vehicle is being repaired up to the policy limits. Towing/ Emergency Road Service - In the event your vehicle becomes disabled, the insurance company will pay to have your vehicle towed up to policy limits. Loan/ Lease Gap Coverage - In the event your vehicle is a total loss, this coverage would pay the difference between what you owe on your loan and the actual cash value of your vehicle. This coverage can only be applied if you are the original owner and made the purchase within the last 12 months. Get Auto Insurance Quotes From InsuranceRenegade.com: Phoenix Auto Insurance Chandler Auto Insurance Mesa Auto Insurance