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3 Risks of Driving Without Auto Insurance

Auto insurance is pivotal – yet you will encounter motorists in Phoenix, AZ without car insurance. But is it worth it? Driving without insurance can slump you into lifetime debts! If you have been thinking about driving without car insurance from Bailey Insurance LTD, here are the consequences. 

Fines and penalties

Like most states, auto insurance is mandatory in Arizona. If you are found driving without valid auto insurance, this could land you on the wrong side of the law. For first-time violators, you could get a license suspension and a fine of up to $500. Besides, your registration and license plates risk suspension, too.

Of course, these penalties become stiffer for repeat offenders. For instance, if you are a third-time violator, you could get a fine of up to $1,000 and a license suspension of up to one year! Why would you go through this agony yet you can get affordable coverage from Bailey Insurance LTD?

Uncovered asset losses

With so many risks on the road –drunk, teenage, distracted, and speeding drivers – it would be unthinkable to drive without car insurance. Without insurance, you have to pay for repairs of your vehicle when accidents occur. And if it’s a severe accident, your car could be totaled! As a result, if you ever want to drive again, you will have to buy a replacement vehicle from scratch.

Uncovered liability costs

Without car insurance, you will have to cover third-party costs from your pocket when you are at fault for the accident. And since these costs can be extremely prohibitive, they could wipe away your savings. And as if that isn’t enough, you can slide into debts as you try to cover the liability claims.

Buy car insurance today!

Having seen the dangers of driving without car insurance, now it’s time to purchase coverage from Bailey Insurance LTD. Contact us today, and we will protect you with an affordable car insurance plan. 

Tips When Buying Car Insurance in Phoenix, AZ

Car ownership presents a sense of freedom and endless adventuring possibilities. But with all the goodies that come with a vehicle, owners are faced with a fair share of responsibilities. Of course, one of those financial responsibilities being auto insurance.

Sourcing for car insurance can be a challenging task. Car owners are often faced with questions like what’s the right amount of coverage? How can I reduce my car insurance rate? While the journey might seem somewhat bumpy, following the below tips from Bailey Insurance Ltd located in Phoenix, AZ can make the auto insurance buying process simple for drivers.

Shop for car insurance before heading to the dealership

It’s wise to get auto insurance before purchasing the car. This way, you will be able to drive off the vehicle to your location. Because car insurance is a mandatory requirement in Arizona, you may not drive your new car home without insurance. 

Beware of factors affecting your car insurance rate

It’s the wish of many drivers to keep their auto insurance down. But to achieve this dream, you need to be aware of factors affecting your car insurance rate. Some include:

  • Type of car
  • Your age
  • Marital status
  • Gender
  • Your location
  • Education and occupation
  • Driving record

While some factors might be out of your control, some like monitoring your driving record can go a long way in keeping your premiums in check.

Listen to what the law says

Arizona’s law requires drivers to carry insurance with the following minimum limits:

  • Bodily injury cover with a minimum of $25,000 per person and $50,000 per accident
  • Property damage coverage with a minimum of $15,000

Whereas it’s vital to observe the above, it doesn’t give optimal coverage for your vehicle. As such, you should consider the below additional auto insurance options:

  • Comprehensive cover to protect your car against damage, theft, fire, and some natural disasters.
  • Medical payments to cover for accident-related injuries.
  • Underinsured/uninsured motorist insurance to cover damages and medical expenses when involved with an accident with an at-fault driver with no or inadequate insurance.

Need more information on auto insurance? Please get in touch with Bailey Insurance Ltd in Phoenix, AZ, for more insightful auto insurance tips. And if looking to purchase car insurance, we are here to help.

Should I get auto insurance for my car in Phoenix?

Phoenix, AZ is a trendy area for people to move to. This area is well known for having a lot of sunny days, a good economy, and a variety of other benefits. If you do move here, owning a car is normally a practical necessity. When you do own a car in this area of the state, you do need to make sure that you get the right insurance coverage. There are several reasons why you should get auto insurance coverage.

Required by Law

One of the most important reasons to get the appropriate auto insurance coverage when you are in Arizona is that it is required by law. Those that are in this area need to make sure that they comply with the state law when it comes to insurance. If you do not have the minimum level of liability insurance required by law, you could face some severe penalization. 

Protects Asset

Another reason to get an auto insurance policy is that it can protect your valuable assets. A car is one of the most significant assets that someone will ever own. If you do own your vehicle, it is vital that you protect this investment as well as you possibly can. By getting a full auto insurance policy, you will receive the coverage you need as it will allow you to repair or replace your car in situations that result in a loss.

When you are shopping for auto insurance in the Phoenix, AZ area, you should reach out to the team at Bailey Insurance LTD. When you work with Bailey Insurance LTD to discuss your insurance needs, you will receive the guidance that you need to pick the right policy. This will ensure you and your vehicle are adequately covered. 

Do I need to carry collision and comprehensive coverage?

Driving in Phoenix AZ can be challenging. When you are on the road it is important that you are confident that you have all the auto insurance coverage that you need. What that coverage looks like will depend a lot on your particular situation and the age and value of your vehicle. Sitting down with an experienced agent is important for your peace of mind and at Bailey Insurance LTD  we have that experience and since we are independent agents we offer products from the best companies available. 

In Arizona, the only auto insurance that you need to carry is a liability. You are mandated to have a minimum of $15,000 bodily injury per person with a max of $30,000 per accident and $10,000 in property damage. This protects others from you, but what about your vehicle? In order to be protected in an accident where you are at fault, you must have collision coverage. 

Comprehensive coverage is for damage to your vehicle that is beyond your control. This includes things like hail and wind, fire, flooding, flying stones and large animals like deer. It also covers you from theft and vandalism. 

When deciding whether you need these coverages, ask yourself, "Could I live without my vehicle? Can I pay to repair or replace my vehicle on my own?" If the answer is no to one or both of these questions, you need collision and comprehensive coverage. 

When it comes to deciding what types of coverage best meet your needs, it is important that you have an insurance agent who you can trust to have your best interests at heart. At Bailey Insurance LTD in Phoenix, AZ, our clients become our friends, and we will make sure that you have the auto insurance that you need. You can use our rating tool online or call our office to make an appointment to talk to a member of our team. 

How much auto insurance do you need in Arizona?

If you have lived with the same auto insurance plan in Phoenix, AZ for many years, you have to ask yourself, is it still enough to pay for all damages in an accident? At Bailey Insurance LTD, our agents can help you find the auto insurance plan that best suits your lifestyle and help you review your current coverage. 

What is Arizona’s minimum requirements for auto insurance?

The state of Arizona requires drivers to show proof of auto insurance that pays a minimum of $15,000 per person ($30,000 per incident) for bodily injury. Drivers must also furnish proof of coverage that pays at least $10,000 for property damage. 

Is the minimum coverage enough?

Minimum coverage gives you the legal right to drive your car around Phoenix, AZ. The bare minimum, however, may not be enough to guard you against lawsuits if your policy’s limits are not enough to pay for all damages. It is, therefore, imperative that you find an insurance policy that suits your lifestyle so that you are not unpleasantly surprised after the accident. 

What should you consider when choosing policy limits?

One thing to consider when choosing your policy’s limits is your savings. Those with a considerable amount of money set aside for emergencies and other miscellaneous cases may choose to purchase an insurance policy that merely satisfies the state’s minimum requirements. You may consider opting to pay more in monthly premiums if your savings account has less money to pay for unexpected expenses. 

You may also want to consider purchasing more auto insurance if you have teen drivers. The likelihood of young drivers having an at-fault accident in Arizona is relatively high. It is, therefore, imperative that you find a plan that covers you if your child damages property or causes bodily injury. 

The agents at Bailey Insurance LTD can help you create an auto insurance plan that gives better financial security. Call us today to get started with a quote for coverage!

Can Lifestyle Changes Alter Your Auto Insurance Coverage?

Lifestyle changes like retirement, marriage, divorce, homeownership, and others can alter your auto insurance coverage. If you’re adding members to your household via marriage, you may need to expand your auto coverage to get better protection for new drivers. Buying a home could help reduce auto insurance costs by bundling home and auto policies. Your Bailey Insurance LTD agent in Phoenix, AZ can help adjust your auto insurance policy to ensure you have adequate protection at every stage of your life. Here are a few ways lifestyle changes can affect your coverage.

  • Marriage – Marriage adds at least one (sometimes more) new member to your household. If your new spouse is driving your car, you may want to expand your insurance coverage to meet his or her driving needs. If your new spouse has his or her own car, you may want to combine your policies to save on insurance costs. 
  • Divorce – If you’re getting divorced, taking your spouse off of your auto policy could save you money, especially if your spouse has a poor driving record.
  • Home Ownership – Buying a home could save you money on auto insurance costs if you bundle your home and auto insurance together. There’s greater convenience in keeping track of your coverage when you bundle policies. You may even get exclusive perks from your insurer for bundling your coverage.    
  • Retirement – If you drive less after retiring, you may want to adjust your coverage to save on insurance costs. On the other hand, if you plan to travel more now that you’re retired, you may need to upgrade your coverage to ensure you’re fully protected on the road.

For customized auto insurance to suit your personal needs, contact Bailey Insurance LTD in Phoenix, AZ. 

When and Where Do Car Accidents Happen Most Often

While there is no limit or exception when it comes to what time of day car accidents occur, there are some times of the day that are at higher risk. As a driver in Phoenix, AZ, it’s up to you to know when these times are and use extra caution when on the road. At Bailey Insurance LTD, our team is here to help ensure that Phoenix, AZ drivers have the information they need to remain safe while on the road. 

During Morning and Evening Commutes

Some of the most common times of the day that accidents occur are during the morning and evening commutes. This is when traffic is usually at its busiest because people are going to work and school and then returning home  – all at basically the same time. This results in more people on the road, more people eager to get off the road, and a higher likelihood of accidents. As a result, it’s imperative to remain aware of your surroundings and ensure you aren’t the cause of or part of an accident.

During the Night

Another common time that accidents occur is when it is dark outside. When the sun goes down, your visibility is reduced significantly. As a result, the likelihood of an accident is much higher. It’s a good idea to use headlights and proceed with caution when driving at night. The situation can be made even worse if it is raining or there are other poor weather conditions. Understanding when it is dangerous to be on the road can help you avoid becoming an accident victim.

To learn more about how to avoid an accident and get covered with a comprehensive auto insurance policy, contact the reputable team at Bailey Insurance LTD today.