Auto Insurance

Owning and driving a vehicle come with many responsibilities, one of which is ensuring you have adequate insurance. The right auto insurance policy can be the difference of thousands of dollars if you’re in an accident, a storm damages your vehicle or your car is stolen.

To find out if you’re adequately insured or to buy a new policy, contact Apache Junction’s trusted insurance advisors at Cook Insurance.

What Is Auto Insurance?

Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. In exchange for paying regular premiums, your insurer agrees to provide financial protection if you experience a covered loss (e.g., car accident, theft or weather damage), subject to deductibles and policy limits.

What Do Auto Policies Cover?

Available coverages vary and may depend on Arizona state law and your lender (if your vehicle is financed). Here’s a list of some of the most common:

·       Liability insurance helps insure against damage you cause others if you are at fault in a wreck. Most states, including Arizona, require drivers to carry minimum amounts of liability coverage.

o   Bodily injury liability pays for their medical bills (and in some cases, deaths).

o   Property damage liability pays for damage to the other driver’s property, such as their car.

·       Comprehensive insurance helps pay for damage from non-accident mishaps, such as weather damage.

·       Collision insurance helps cover damage to your vehicle after a collision with an object (excluding animal collisions).

·       MedPay coverage or personal injury protection (PIP) helps pay for your medical bills and those of your passengers.elps pay for your medical bills and those of your passengers.

·       Uninsured/underinsured insurance helps insure against damage caused by someone else who doesn’t have appropriate liability coverage.

There may be other coverages that make sense for your situation. Talk to a Cook Insurance agent today to learn more and find a policy that meets your unique needs. 

Do I Need Mexican Auto Insurance?

In Mexico, the authorities can hold drivers both criminally responsible and financially liable for the accidents they cause. U.S. automobile policies are not valid in Mexico. If you’re heading to Mexico and plan to drive, it’s vital to purchase a Mexican insurance policy. People who have accidents must either have liability insurance recognized by the Mexican government or prove they have enough money to pay any claims against them.

Under Mexican law, an automobile accident is both a civil and criminal offense, and authorities presume guilt until proven innocent. The authorities recognize a Mexican insurance policy as a guarantee of proper payment for damages according to the terms of the policy. Your Cook Insurance agent can help you find a Mexican auto insurance policy.

Is Auto Insurance Expensive?

The cost for auto insurance will vary based on various factors, including your age, driving history, type and number of vehicles you’re insuring, location and the policy or policies you’re selecting. Other factors may influence your rates as well. Work with your Cook Insurance agent to learn more about rates.

Contact Us Today

Contact us at 480-986-4400 to get started and speak to a trusted insurance advisor about your auto insurance needs.