Common Things Auto Insurance Covers

When buying an auto insurance policy from Homeowners Insurance Group, serving Scottsdale, AZ, it is crucial to understand what your policy is likely to cover. The following options are among the most common and will help make it easier for you to choose a policy that makes sense for your needs as a person and a car owner.

Your Common Coverage Choices 

When buying your auto insurance policy, make sure to seek out the following protection options to ensure that you have the maximum level of coverage for your needs as a driver:

  • Liability Help – If someone gets injured due to your actions while driving a car, your policy will pay for both property damage and bodily injury, ensuring that you don’t have to pay yourself. 
  • Underinsured Protection – Have you ever been hit by a driver who had a poor policy or none at all? This protection helps to minimize your financial difficulties.
  • Comprehensive Coverage – These policies help to cover damage to vehicles caused by various things, including vandalism, fire, hail, and even theft. 
  • Collision Protection – When your vehicle gets damaged in an accident that you did not cause, your collision policy will protect you and keep you from financial struggles. 
  • Medical Payment Help – If you or your family members are hurt in your car while driving, this policy option helps to pay for their medical treatment coverage.
  • Other Coverage Choices – Many policies include personal injury protection, gap coverage, towing, ride-sharing, sound system, new car replacement, and classic car insurance policies.

Make Sure That You are Protected 

Are you a car owner in the Scottsdale, AZ area, and want to ensure that you get the coverage you need? Then, please don’t hesitate to contact us at Homeowners Insurance Group to learn more. 

4 common myths about auto insurance in Scottsdale, AZ

The process of buying auto insurance is not always fun as buying the car itself. Some people think it’s expensive, complicated, and time-consuming. And to top it all—it’s mandatory. Maybe that’s why there is a lot of myths and misinformation about the entire policy. At homeowners Insurance Group, we are all about making the whole process as simple as possible. We also provide you with information to ensure you make an informed decision. With that said, here are four common myths about auto insurance you should know.

Red cars are costly to insure

Nobody will ask you about your car’s color in Scottsdale, AZ because the color doesn’t affect your insurance rates. However, critical information like model, engine size, and body type play a massive role in determining your insurance cost. Insurers also take into account your driving records and where you live.

Your insurance pays your medical bills if you are injured.

This is only true if you have personal injury protection or medical coverage. Your car insurance is designed to protect other road users and not the driver. Therefore, if your car gets damaged or injured in an accident that you caused, your policy will not cover you.

The older you are, the higher your rates.

It’s actually the opposite. Younger drivers are likely to pay higher rates than older drivers. Older drivers also get discounts, particularly when they pay on time, bundle their policies, or insure their vehicles for more than five years.

You only need liability, which is required by law.

Before you can register your vehicle in Scottsdale, AZ, you must show financial responsibility by getting the minimum liability coverage. Believing that you only need liability can have costly consequences as most accidents go beyond liability. You might be forced to dig into your pockets to pay various damages and injuries if an accident occurred.

Still need clarification about auto insurance? Our friendly insurance advisors at Homeowners Insurance Group can answer all your questions and ensure you get a policy that takes care of your needs. Contact us today.

Auto Insurance for Young Drivers

If you’re young and you’re driving your first car that you’ve ever owned or are upgrading, there may be some aspects of auto insurance with which you are not familiar. Luckily, Homeowners Insurance Group has you covered. Learn how you can stay protected on the Scottsdale, AZ roads, and know the in’s and out’s of auto insurance with Homeowners Insurance Group. 

What Does Auto Insurance Cover?

Auto insurance provides you with financial coverage in case you get into an accident. You are provided with financial protection in the form of cash in case you are responsible for damage or repair fees. Here are some common areas in which auto insurance provides coverage: 

  • Liability
  • Injury
  • Property damage
  • Medical costs
  • Repair 

These are just some of the areas in which auto insurance provides coverage. To know exactly what you are eligible for and what coverage is best for you, visit Homeowners Insurance Group for a consultation. 

What Coverage Type is Best for Young Drivers?

For younger, newer drivers, the best type of coverage is full coverage. It does cost a little more but includes everything you would need in the case of an accident. The roads can be unpredictable, so it’s better to be prepared. It’s always more beneficial to have coverage and not need it than it is not to have coverage and desperately need it. Let the professionals at Homeowners Insurance Group get you the coverage you need. 

Get Protected with Homeowners Insurance Group

To help you stay protected on the Scottsdale, AZ roads, Homeowners Insurance Group is here to help you find the coverage you need. While full coverage is recommended for younger drivers, Homeowners Insurance Group is here to work with you so you can get the coverage that works best for you. You can contact them online or over the phone for a consultation.