Auto Insurance Coverage

Auto Insurance is Required

Auto Insurance Coverage is not difficult to understand, but there are a couple of different parts so let's take a look.

Auto Insurance Coverage Parts

  1. Liability - This is the part that is required by the State, and covers the bodily injury and property damage you cause to others by virtue of driving your vehicle.
  2. Medical Payments - Medical Payments is a no-fault coverage that covers any occupant in and on the vehicle.  For injuries, they incur by use of the vehicle. This coverage has pretty low limits. Usually, only a thousand dollars or so, and can be paid regardless of who is at fault.
  3. Uninsured and Under-insured Motorist (UM/UIM) - Many people are confused by what this coverage provides, but in short this coverage responds if you get hit by someone that does not insurance or doesn't have enough insurance to cover the bodily injury you suffer due to their negligence. Gila Insurance Group STRONGLY RECOMMEND our customer purchase UM/UIM coverage.
  4. Collision - This protects your vehicle and provides coverage if you hit someone, or someone hits you. This Coverage carries a Deductible.
  5. Comprehensive - This also protects your vehicle, and provides physical damage coverage for all the other stuff that isn't covered by collision. Examples include hail, flooding, a collision with animals, and a variety of other things. In Fact, Comprehensive coverage on an auto policy is one of the broadest coverage offerings in all insurance. This coverage Carries a deductible.
  6. Glass Coverage - This goes along with comprehensive, but covers your windshield and other glass. In most cases, this coverage does not carry a deductible.
  7. Rental Coverage - Imagine your car is in the shop because of an accident. How are you going to get around? Well, if you have Rental Coverage your insurance will pay for a rental vehicle for the time your vehicle is in the shop because of a covered loss (we don't just pay for a rental car for fun, sorry).
  8. Roadside Assistance/Towing - This coverage is pretty self-explanatory, but the coverage can vary greatly, so be sure to make sure you understand what this coverage will do if you purchase it.

That's it... sort of. More and more insurance companies are offering specialty auto insurance coverage. For example:

  1. Accident Forgiveness.
  2. Diminishing Deductibles
  3. New Vehicle Replacement
  4. Deductible Waiver

We do have some companies that offer these coverage options, but they are NOT customary coverage options and are only available with certain companies.

Did you know you can get an online auto insurance quote from multiple different companies from Gila Insurance Group? Start your quote online today!

Start My Auto Insurance Quote

Gila Insurance Group LLC

805 W Court St. S
Safford, AZ 85546

Toll Free - (877) 784-6787
Local - (928) 428-6440
Fax - (888) 634-6384

About Gila Insurance Group

Customers choose Gila Insurance Group LLC as their insurance agent because they like being able to fill out one application online and then getting multiple quote from highly rated insurance companies. They like the friendly staff that takes the time to help them understand what they are purchasing. They like that the staff is trying to get the best coverage for them at an affordable price, and they LOVE that once they are customers Gila Insurance Group monitors their rates. If rates start to get out of hand they love that they have someone looking out for them to see if they can find a better option!

While Gila Insurance Group LLC serves Safford, Thatcher, Pima and all of Southern Arizona, they are also licensed in 32 states and serve clients from all over Arizona, California and this great Nation. Gila offers a variety of products including auto insurance, homeowners insurance, RV insurance, and business insurance. However, Gila has several specialties which include insuring investment properties such as rental properties, and fix and flip projects and Manufactured and Mobile homes.