Keeping You On The Road
Manzanita Insurance has you covered. We can help you with standard auto insurance, as well as car insurance for collector cars in Arizona. When most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.
Driving around Arizona means braving dust storms that lead to poor visibility. Or the possibility of flash floods that are common during the wet season. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.
You’re at risk every single time you get in your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.
Having adequate Car Insurance limits is serious business
If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.
What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.
Because we are 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.
No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.
This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.
Need an SR-22 Filing in Arizona?
An SR-22 is not actually insurance, but rather a certification that an insurer files to vouch for a risky driver. It’s a way to verify insurance with the minimum liability coverage limits for drivers who have been ordered to obtain this by a judge.
There is typically a reasonable fee charged for filing and rates may be a bit higher and/or you may be required to pay your policy in full depending on the state you’re in so be sure to ask.
Also, keep in mind that an SR-22 filing in Arizona is for a period of time, typically no more than 3 years and can be removed after the specified time.
Common Auto Insurance Rating Variables
Insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident.
Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.
The type of car, engine size, safety features, etc.. are all part of determining the rate.
Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.
Insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.