Get the Coverage You Need At the Price You Can Afford with Strong Tower’s Personal Auto Insurance

Overwhelmed by all the auto insurance choices? Don’t be. We can make finding the right car insurance plan easy. Let us help you find the plan you need at a rate you can afford. Most auto policies are for six months to a year and annual premiums are paid to an insurance company. If an accident occurs the company then pays all or most of the costs associated with injuries or damage to property.

Auto insurance plans are designed to help cover potential auto related damages, loss or injuries financially. It helps protect you, passengers, other drivers, pedestrians, property and your auto. Auto insurance also helps protect you in the event of a lawsuit associated with an incident involving your car.

Premiums, or the amount policyholders pay to be insured, vary depending on factors including gender, age, accident and moving violation history, and years of driving experience. Most states mandate that all vehicle owners purchase a minimum amount of auto insurance, but many people purchase additional insurance to further protect themselves.

At Strong Tower Insurance Group we will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage. We’ll clearly explain the options, so you can make the best decision on which plan works best for you. We work one-on-one with you know what type of insurance Arizona requires, what your needs are, what discounts you qualify for, and how much coverage you want for your car. All this factors into choosing the right policy in the event of an accident, theft, vandalism or most any other instance in which there is damage to your own or someone else’s vehicle.

We are confident that we can serve your insurance needs by finding superior plans at affordable rates. We want to earn your trust for years to come. Although we are located in Gilbert, Arizona, we offer unparalleled service and quality coverage to clients throughout the entire state!

We are confident that we can serve your insurance needs by finding superior plans at affordable rates. We want to earn your trust for years to come. Although we are located in Gilbert, Arizona, we offer unparalleled service and quality coverage to clients throughout the entire state!

Auto insurance provides Property, Liability and Medical coverage:

  • Property coverage pays for damage to or theft of your car
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage resulting from an accident to which you are found at fault
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

An auto insurance policy is comprised of several different kinds of coverage. Arizona requires you to buy some, but not all, of these coverages. If you are financing a car, your lender may also have requirements.

Liability Coverage: pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.

Collision Coverage: pays for damages to your vehicle caused by collision with another vehicle or object.

Comprehensive Coverage: pays for loss or damage to the insured vehicle that doesn’t occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.

Uninsured Motorist: This type of coverage will pay for your car’s damages when a driver who doesn’t have liability insurance causes an accident.

Underinsured Motorist: This type of coverage will pay for your car’s damages when a driver who has insufficient liability insurance causes an auto accident.

Medical Coverage: Pays medical expenses regardless of fault when the expenses are caused by an auto accident.

PIP: Personal Injury Protection (PIP) is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.

Rental Reimbursement: This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.

Factors that affect how much you pay for auto insurance include what kind of car you drive (sports cars cost more to insure, some vehicles have a higher theft rate, value of the vehicle); where you live (high occurrence of accidents, vandalism, theft; rural vs city); how often you drive (short commute vs. long, weekend driving vs. daily); who you are (age, marital status, driving record and sex). Accident rates are higher for drivers under that age of 25, and young single males. Drivers with safe driving records will pay lower rates than drivers who are prone to traffic violations or accidents.

Four factors that can keep auto insurance rates down:

  • Consider buying a car that “looks good” to insurance companies. Is the car prone to problems? Does the car have a high theft rate?
  • Discounted rates for good students, having more than one car insured and accident-free driving.
  • Carpooling or using public transportation. The less you drive the lower your rates.
  • Careful, accident-free driving

We will clearly explain the options for choosing the right deductible. Options such as deciding how much money you are willing to pay for your share of the policy. You are required by law to pay for some of the damages. This is an important step in choosing the right insurance coverage for you. Opting for a higher deductible can lower the total cost of your insurance. Ask us about other solutions with the best value, designed to fit your individual needs.