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the hartford insurance logo

A.M. Best: A+

Founded in 1810, The Hartford is one of the largest investment and insurance companies based in the United States, ranking 78th on the 2006 Fortune 100 list. The Hartford is one of Business Week's top 50 performers and a top 10 property and casualty insurer.

metlife auto home insurance logo

A.M. Best: A+

The origins of MetLife go back to 1863 when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The business catered to Civil War sailors and soldiers. In a reorganization the firm's name was changed to Metropolitan Life Insurance Company. By 1909 MetLife became the nation's largest life insurer in the United States, a position they hold today. MetLife is also becoming one of America's leading Auto and Home insurance carriers.

progressive insurance logo

A.M. Best: A+

Progressive has been in business since 1937. Its innovative web sites have been named best overall in the customers experience rankings for Auto Insurance and achieved the Number One ranking of 25 leading auto insurance sites. Progressive is ranked 155 on the 2005 Fortune 500 list.

travelers insurance logo

A.M. Best: A

Traveler's is the second largest writer of U.S. personal insurance through independent agents, with approximately 14,000 independent agencies and brokerages countrywide. They are now # 85 on the Fortune 500 list of largest U.S. companies (2005).

aig insurance logo

A.M. Best: A+

AIG, a worldwide insurance company, supports many charities throughout the world, such as Unicef and selected children’s charities. It supports many other charities, such as the Homers for Kids program, in association with the New York Mets. This program donates $250 each time a Mets player hits a home run.

fidelity national insurance logo

A.M. Best: A-

Fidelity is ranked 248 on the Fortune 500, and is a nationwideprovider of insurance policies, such as homeowners, auto, flood, and umbrella. They landed on Fortune's list of most admired companies and in 2004 were named as one of America's best managed companies.

safeco insurance logo

A.M. Best: A

Safeco startled the established insurance industry in 1923 when it organized as a company in Seattle, Washington, far from the recognized insurance centers at the time, located in Northeast. In 2004, Safeco sold its life and investment operations to focus solely on property and casualty insurance. In 1998 Safeco secured the naming rights to the Seattle Mariner baseball park.


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Why buy your Arizona Auto Insurance and Arizona Homeowner Insurance
from us?

Arizona Auto Insurance

What is the purpose of your Auto policy? The answer may be slightly different than what you imagine. The primary purpose is to make sure if you are protected for the damages you cause. Imagine hitting another vehicle and causing injury to the occupants. Your auto policy will pay up to the limits of your policy. If those limits are reached, you will be sued personally. What if you hit a child riding a bike, a pedestrian walking, or a motorcycle rider? In cases of serious injuries or even death it is very important to have high limits on your policy.

Property Damage and Bodily Injury just may be the most important coverages on your Arizona auto insurance policy. They both pay out to the other party for damages you cause - to their vehicle or personal injury. As you know, this is a sue-happy society. If you cause injury or death in an at-fault accident it is highly likely you will be sued. Ask us about getting a quote for varying levels of coverage.

Some insurance companies write insurance for the minimum State of Arizona levels. When you buy Arizona auto insurance you expect your insurance company to pay for any claim you are involved in. Keep in mind, your policy has limits. Ask us about optional coverages such as Uninsured/Underinsured motorist coverage, Medical coverage, towing, car rental and full glass coverages.

Some common questions

Q: Am I covered if I drive a rental vehicle? A: Yes, as long as you have full coverage on your personal vehicle. Your auto policy acts toward a rental vehicle just like it does for your own vehicle.

Q: My car is older, shouldn't my premium decrease? A: Keep in mind that most claims are not total losses. Most claims involve the fixing up of a damaged vehicle, which means the insurance company has to pay for new parts and labor. Parts and labor costs continue to increase. In addition, there are other parts of your policy that make up your premium and have nothing to do with your vehicle (bodily injury, property damage, medical, uninsured & under-insured motorist, glass, road service and car rental).

Q: If I buy a car and my agent is unavailable, am I covered? A: If you have full coverage on your existing vehicle, coverage will extend to a newly purchase vehicle for a short duration, usually 30 days.

Q: What should I do if I sell my vehicle? A: We would recommend accompanying the buyer to DMV and making sure they transfer title to themselves. Failure to do so could result in you continuing to be responsible for the vehicle or accidents that vehicle is involved in, even though you no longer retain possession. Or, you can go onto the DMV website and notify them that the vehicle has been sold.

Q: What if my vehicle is inoperable? A: As long as you maintain an active registration you must carry insurance on a vehicle. Your agent can probably remove some coverage and lessen your premium in a case like this. It might be advisable to keep comprehensive on the vehicle, which covers it for theft and vandalism. Or, you can go to DMV and de-register a vehicle. That would allow you to cancel your insurance on it completely.

Q: What is an SR22? A: It is a mandatory certificate of insurance required by DMV, and reserved for driver's who drive uninsured, receive a DUI or some other serious driving offense. Auto premiums increase dramatically with an SR22. If you need an SR22 you must maintain continuous insurance for 3 years before it can be taken off. A common mistake made is people who have a vehicle that is inoperable that cancel their auto insurance. The DMV does not know your vehicle is inoperable. They simply assume you are driving without insurance. Bingo, they hit you with an SR22 and your rates skyrocket. The easy road is to go to DMV and de-register the auto.

Q: What determines my auto insurance premium? A: Your driving record, type of car, zip code, amount of coverage and even age. Maybe even more important now is something called an "insurance credit score". This is not exactly the same as your fico score or credit score used to determine your ability to qualify for a home or auto loan. It is similar, but insurance companies have their own formula for determining a person's score.

Q: What is an Insurance Credit Score? A: An insurance credit score is a little different than other credit scores, such as those used to qualify for a home loan or car loan. But it is very similar. Insurance companies have different factors and each company may use more factors or less than a competing company. Third party studies have shown pretty convincingly that a person with a better insurance credit score has fewer claims, which makes them more profitable for the insurer. The reasoning is that a person who works diligently to have good credit is more likely to be more responsible behind the wheel of a car than a person with less favorable credit. It is a highly sensitive issue with some insured's but as long as the State Legislature and the Insurance Commissioner continues to allow the use, insurance companies will use insurance credit scores.

Q: I have a teen driver. Any advice? A: Wow, that is a great question. I have had one teen driver myself (so far) and the key is practice, practice, practice. Do not rely solely upon your teen's school driving class. Every parent needs to tutor their own child over a long period of time. Teen accidents are out of sight. Do not be in a rush to allow your teen to drive alone. Monitor their passengers and who is allowed to ride with your teen driver. Advise them to not tail gate other vehicles. Advise them to not speed. Require them and their passengers to wear seat belts or refuse to allow them behind the wheel. Teen accident and fatalities statistics are staggering. It is not a responsibility to be taken lightly. My advice to all parents with a teen driver? Be tough. You will sleep better and they will live longer.

TEEN DRIVING STATISTICS

In 1997, 22% of all speed-related crashes that resulted in death involved driver's age 20 or younger.

The majority of teen "passenger" deaths (65%) occur when another teen is driving.

Nearly half of all fatal crashes involving 16 year olds were "single-vehicle" accidents.

In 1997, more than 60% of teens who died in a passenger vehicle were not wearing a seat belt.

Finally, I encourage all adults who have an auto policy to also purchase an umbrella policy. Please read my article on Umbrella Insurance.

 
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