Auto Insurance

Car and Truck Insurance Throughout Arizona 

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. At AZCAL Insurance Services, we make sure you have the protection you need at a price you can afford.

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Aside from your home, your car or truck is likely one of your biggest assets. Not to mention that is also likely the key to completing your day-to-day routine (going to the grocery store, commuting to work, visiting loved ones, etc.) Proper auto insurance protects against potentially crippling financial losses and the significant inconvenience of being without transportation.

What is Covered By Car Insurance? 

Remember, not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions.

However, the car insurance in some ‘no-fault’ states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

Depending on the specifics of your policy, auto insurance can cover: 

• Property coverage: pays for damage to or theft of the car. 
• Liability coverage: pays for damages inflicted on others (bodily injury or property damage).
• Medical coverage: can pay for treating injuries, rehabilitation, lost wages, or funeral expenses.     

Auto insurance policies vary and can protect your car or truck if stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver. Knowing the options is the first step to obtaining effective coverage.

Questions You Should Ask Your Insurance Agent

As an independent agency, we are an advocate for finding coverage that meets your individualized needs. Here are a few questions that we would discuss when strategizing a plan:

• How much do you drive? 
• Who else will be driving the car? 
• Is your car financed or leased?
• Do you love/care about your car?  
• What is the minimal amount of coverage required by the State of Arizona?  
• How much can you afford to pay for in repairs if you do get in an auto accident?
• Are you getting all the discounts and savings that you can from your policy choice? 
• What would you like covered in the event of an accident (property, liability, medical)? 
• What is the procedure for filing or settling a claim? 

Knowing the answers to these questions can help your agent better understand your coverage needs.   

100+ Years of Experience 

The team at AZCAL Insurance Services has over 100 years of combined experience serving clients. We understand Arizona insurance and are here to help you navigate this complicated field. 

Talk with us and ensure that you have the proper coverage with the right insurance company. If not, we can help you get the policy that you need to protect you, your family, and others on the road!

Request an Auto Insurance Quote

As an independent agency, we offer multiple options at competitive prices.