Drive with Confidence
Across Arizona

Arizona's state minimum is 25/50/15, but this is rarely enough. If you cause a multi-car accident, $15,000 won't cover the cost of replacing even a single modern SUV. We recommend at least 100/300/100, and if you own a home 250/500/250 to protect your wages and assets from lawsuits.

Not automatically. You must add "Full Glass" or "Safety Equipment" coverage. In Arizona, where gravel trucks and construction are common, this is arguably the most used coverage. It usually allows for $0 deductible replacement of cracked windshields.

If your car is totaled, insurance pays the current market value, not what you owe on your loan. If you owe $30k but the car is worth $25k, you are responsible for the $5k difference. Gap insurance pays that difference. It is essential if you have a new loan or lease.

Usually, yes, if you are at fault. However, many of our carriers offer "Accident Forgiveness" which prevents your rate from increasing after your first at-fault accident, provided you have been claim-free for a certain number of years. It can also go up if you have multiple glass claims.

Typically, your liability and physical damage coverage extends to a rental car driven for personal use within the US. However, it does NOT cover "Loss of Use" fees the rental agency charges while the car is being repaired. We recommend checking with us before you travel.

Buying direct limits you to one price and one set of rules. As independent agents, we can shop 40+ carriers to find the best rate. More importantly, we help you with the claims process, so you aren't fighting alone.

Absolutely. Your personal auto policy specifically excludes coverage while you're using your vehicle for commercial purposes. Even if you only drive a few hours per week, you have zero coverage during that time unless you add a rideshare endorsement. These endorsements are surprisingly affordable (often $10-20/month) and fill the gaps when the rideshare company's coverage doesn't apply. Without it, one accident could leave you personally liable for tens of thousands in damages.

Yes, in Arizona all licensed household members must be listed on your policy, either as covered drivers or formally excluded. This includes teenage children, spouses, roommates, and adult relatives living with you. Failing to disclose household drivers is considered material misrepresentation and will result in denied claims. If you have a high-risk driver (like a teen with tickets), you can exclude them in writing with most carriers, but they cannot drive any vehicle on your policy. College students living away without a car are typically excluded automatically.