Call Us Today
(623) 777-4727
Coverage designed to protect you, your vehicle and your financial future on the road.
D&E Insurance Group helps Arizona drivers compare auto insurance options and understand the coverage behind their policy.
The right auto policy does more than meet Arizona’s minimum insurance requirements. It helps protect you financially when something goes wrong on the road.
Auto insurance can provide protection for injuries or property damage you’re responsible for, damage to your own vehicle, uninsured or underinsured drivers and other unexpected losses depending on the coverage you select.
Your vehicle, drivers, liability limits, deductibles, driving history and coverage choices can all affect both your protection and your premium.
As an independent insurance agency, D&E Insurance Group helps Arizona drivers compare available options from multiple insurance carriers and understand what they’re actually getting for their premium.
An auto insurance policy can combine several types of coverage to protect you, your vehicle and others on the road.
Liability Coverage
Bodily injury and property damage liability can help protect you financially when you’re legally responsible for injuries to another person or damage to their property, subject to your policy limits.
Collision Coverage
Collision coverage can help pay for covered damage to your vehicle resulting from a collision with another vehicle or object, subject to your deductible and policy terms.
Comprehensive Coverage
Comprehensive coverage can help with certain non-collision losses such as theft, vandalism, hail, falling objects and other covered causes of loss, subject to your deductible.
Auto policies can also include additional protection such as uninsured and underinsured motorist coverage, medical payments, rental reimbursement and roadside assistance depending on the carrier and coverage selected.
What happens when the driver who causes an accident doesn’t have enough insurance to cover your injuries?
Uninsured Motorist (UM)
Uninsured motorist coverage can help with covered bodily injury expenses when you or an insured person is injured by an at-fault driver who doesn’t have applicable liability insurance.
Underinsured Motorist (UIM)
Underinsured motorist coverage can provide additional protection when an at-fault driver’s applicable bodily injury liability limits aren’t enough to fully compensate you for a covered injury claim.
Choosing auto insurance isn’t only about protecting yourself when you cause an accident. UM and UIM coverage can help protect you and eligible insureds when another driver’s insurance is missing or insufficient.
D&E Insurance Group can help you understand the available UM/UIM limits and how they fit into your overall Arizona auto insurance program.
Meeting Arizona’s minimum insurance requirements doesn’t necessarily mean you have enough coverage to protect your finances after a serious accident.
Bodily Injury Liability
This coverage can help pay covered claims involving injuries to other people when you’re legally responsible for an accident, up to your policy limits.
Property Damage Liability
This coverage can help pay for covered damage you cause to another person’s vehicle or other property, subject to the limit shown on your policy.
Protecting Your Assets
Higher liability limits can provide additional financial protection when a serious accident results in damages that exceed lower policy limits.
Rather than choosing liability limits based only on price, consider the potential financial impact of a serious accident and the assets and income you want to protect.
Households that want liability protection beyond their underlying auto and homeowners limits may also want to consider a
personal umbrella policy.
Beyond liability, collision and comprehensive coverage, additional options may help protect you from expenses that aren’t automatically included in every auto policy.
Rental Reimbursement
Rental reimbursement can help with the cost of a temporary replacement vehicle while your insured vehicle is being repaired after a covered loss, subject to policy limits.
Roadside Assistance
Depending on the carrier, roadside coverage may provide assistance for services such as towing, a dead battery, flat tire or vehicle lockout.
Glass Coverage
Arizona drivers can experience windshield damage from rocks and road debris. Depending on the policy and carrier, glass coverage and deductible options may be available.
Loan / Lease Gap Coverage
If a financed or leased vehicle is declared a covered total loss, available gap coverage may help with certain differences between the vehicle’s covered value and the eligible loan or lease balance.
Vehicle Replacement Options
Some carriers offer new-car replacement or similar enhanced coverage for qualifying vehicles. Eligibility, vehicle age requirements and coverage vary by carrier.
Medical Payments Coverage
Medical payments coverage may help with certain medical expenses for you and eligible passengers after a covered auto accident, regardless of who caused the accident.
Not every driver needs every available option. We’ll help you evaluate the coverages that make sense for your vehicles, household and budget.
Auto insurance premiums are based on a combination of factors, which is why rates can vary significantly between drivers, vehicles and insurance carriers.
Drivers & Driving History
Driver age, experience, accidents, violations and other rating factors can affect eligibility and premium.
Your Vehicles
Vehicle value, repair costs, safety features, performance characteristics and other vehicle-specific factors can affect insurance costs.
Coverage & Deductibles
Liability limits, physical damage coverage, deductibles and optional coverages all influence both the protection provided and the premium you pay.
Insurance carriers may also consider factors such as where vehicles are garaged, annual mileage, household drivers and other approved rating information.
Because carriers don’t all evaluate risk the same way, an independent agency can compare available options while helping you keep the coverage itself in focus—not just the price.
Common questions Arizona drivers ask when reviewing their auto insurance.
What does auto insurance cover?
Depending on the coverage selected, an auto policy can provide liability protection, collision and comprehensive coverage, uninsured and underinsured motorist coverage and other optional protections.
Is auto insurance required in Arizona?
Arizona requires drivers to maintain financial responsibility, and most drivers satisfy that requirement with auto liability insurance. The minimum required limits shouldn’t automatically be viewed as the amount of coverage that’s right for every driver.
What’s the difference between collision and comprehensive coverage?
Collision generally covers eligible damage to your vehicle resulting from a collision, while comprehensive can cover certain non-collision losses such as theft, vandalism, hail and falling objects. Both are subject to policy terms and deductibles.
What is uninsured and underinsured motorist coverage?
UM coverage can help with covered bodily injury when an at-fault driver doesn’t have applicable liability insurance. UIM coverage can provide additional protection when the at-fault driver’s applicable bodily injury limits aren’t enough for a covered injury claim.
Do I need comprehensive and collision if my vehicle is paid off?
Once a vehicle is paid off, whether to carry physical damage coverage is generally your decision. Consider the vehicle’s value, your deductibles and whether you could comfortably absorb the financial loss if the vehicle were seriously damaged or totaled.
Does auto insurance cover a rental car?
Coverage for a rental vehicle can depend on your existing policy, the reason for the rental and the type of vehicle being rented. Rental reimbursement coverage is different from coverage that may apply when you rent a vehicle for personal use.
Can I combine my home and auto insurance?
Yes, many carriers offer home and auto policies together and may offer eligible multi-policy discounts. However, combining policies isn’t automatically the best option for every household.
How often should I review my auto insurance?
It’s a good idea to review your coverage at renewal and whenever you add a vehicle or driver, change how a vehicle is used, move or experience another significant household change.