The James Merrill Agency is your personal neighborhood Farmers Insurance agent. Insuring your car is a legal and vital necessity in today’s world. We conveniently deliver the Auto insurance options you want with quality coverage. If you are legally responsible for an accident, our vehicle insurance will cover damages and any injuries caused.
When planing for a new car insurance policy, or if you are making changes to your existing coverage, it is critical to know all of your options and how they work if you ever should need to use them. Some states require specific types of coverage, but there are extra option that can expand that coverage as well. Talk to us to find out what auto insurance policy coverage best suits your needs.
Determining the correct auto insurance for you starts with understanding the Arizona state insurance requirements. Arizona has minimum requirements for:
Bodily Injury Liability- This covers costs due to injury or death of another person involved in an accident that is determined to be caused by you.
Property Damage Liability - This covers the cost due to damages caused to another person’s property involved in an accident that is determined to be caused by you.
There are other coverage types that, although not required by the state of Arizona, should be considered to fully cover you and your assets:
|Uninsured Motorist||This covers costs of medical expenses due to an accident with another driver who does not have insurance.|
|Underinsured Motorist||This covers costs of medical expenses due to an accident with another driver who does not have enough insurance coverage.|
|Medical Expenses||This covers expenses of medical or funeral costs for you and/or any passengers in your vehicle in the event of an accident.|
|Collision||This covers costs required to replace or repair your vehicle if it is damaged in an accident.|
|Comprehensive||This covers costs required to replace or repair your vehicle if it is damaged due to theft or storms.|
Do you make money by working as a for-hire driver for companies like Uber or Lyft? Did you know that most traditional auto insurance coverage may not protect you? Much of the time auto insurance excludes rideshare coverage.
I know what you are thinking, “That’s OK because the rideshare company’s insurance policy covers me.” And that is not entirely true.
You may in fact only have limited liability coverage until you accept a ride. It is only then that the full commercial liability comes into full effect. So if you happen to get into an accident in between rides, damage to your car may not be covered. Now, how are you going to work if you don’t have a car?
With Farmers Rideshare Insurance you can cover the gap and extend your personal coverage while you are waiting for the next ride to be booked. Talk to us today to be sure you are fully covered!
Be sure to ask about:
|Commercial Auto Policy|
James Merrill Agency is a Farmers Insurance provider that specializes in providing a SR-22 quickly and easily to drivers who need it.
If you have been convicted of a DUI/DWI, the state of Arizona requires you to have SR22 insurance. It is called a Certificate of Financial Responsibility (CFR). Basically it is required to prove that the minimum insurance liability on the vehicle is maintained.
Once convicted of a DUI/DWI, getting auto insurance at other agencies can be difficult and expensive. At the James Merrill Agency we can make the experience easy and affordable. We can get you taken care of quickly, so give us a call today for a quote.
You may need an SR22 if you have had:
|Too Many Points|
Being the capital of Arizona, Phoenix and the surrounding areas like Scottsdale and Paradise Valley, there are a lot of drivers on the road and chances of being in an accident are high. We make sure you have the right coverage to protect you in such an unfortunate situation.
If you are looking for more information on Arizona auto insurance, give us a call and we will answer all of your questions about coverage, penalties for non-compliance, and more.
James Merrill Agency
9332 E Raintree RD Suite 140
Phone: (480) 868-2952
Hours: Monday - Saturday 9am-6pm
Ready for the next step? It is easy to tailor insurance coverage around your needs. Call us to learn more about the options available and get an insurance quote.