They call them accidents for a reason. No one plans to have one, but you can plan to be covered in case you do. That’s where we come in. We’ll tailor a plan that’s right for you and your family, not pick something with the right price off a shelf.
Everywhere you look there are commercials and billboards for car insurance; but sometimes “15 minutes” could result in less than ideal auto insurance coverage for your family’s needs. Price is important, but sometimes you get what you pay for. We’ll work with you to get the best level of coverage achievable within your budget.
Car Insurance For Teenage Drivers
It’s only natural for parents to worry about new teenage drivers because we remember what we were like at 16 or 17. But how do you know you’re getting the best value coverage for the teen drivers in your family? Good value coverage isn’t the same as cheap coverage. As with all our insurance products, contact us and we will educate parents of teen drivers about your options, so you can make the best decision for your family.
Need Insurance For Your Toys?
We know that many of you don’t just have cars and trucks; that’s why we can also provide plans for the weekend toys you may have in your garage. If you’re looking for boat insurance or insurance for an ATV or golf cart, we’ve got you covered. Many of us also enjoy escaping the summer heat in an RV, so if you’re looking for RV insurance in Arizona or New Mexico, look no further than Alpha & Omega.
Education Moment – Auto Insurance Terminology
If you or your family is on the road, you need auto insurance. But do you really understand the different coverage options that appear on your schedule?
- Comprehensive – Protects your own car in the event of damage. Comprehensive covers things like fire, theft and flood and is recommended on most vehicles.
- Collision – Also protects your own car in the event of damage; collision is usually more costly than comprehensive (you can buy both separately), but it depends on cash on hand to replace a vehicle coupled with the actual cash value of the car.
- Liability – This covers you or a covered party in the event of an at-fault accident for bodily injury or property damage to others. It is mandatory in most states. If you have assets, don’t skimp on this coverage.
- UM/UIM – Uninsured and under insured motorist coverage covers you in the event that another driver with no or low limits causes an accident. This coverage is just as important liability, especially in Arizona and New Mexico where, unfortunately we have many uninsured and underinsured drivers on the road.
- Medpay – MedPay is provided as an option to cover damages to you or other covered parties in your car. This is good first party coverage to have, especially if you don’t have health insurance or have a health deductible to meet.
- Rental – An inexpensive addition to your policy if your car is out of service for a period of time.
- Towing/Glass – Usually very reasonable coverage that could often come in handy.
Contact Us Today
“I really appreciate the insurance evaluation you provided. I learned a lot about the coverage we had and what we were lacking. We’re now saving over $700/year on our home & car insurance! It’s been great working with you.”
Jen W.
Tempe, AZ