Auto Insurance

Our clients have been choosing The Bristor Agency, (602) 429-8242, to insure their cars and other vehicles because of our competitive prices and personal customer service, but our policies offer so much more. We also provide:

  • Highest levels of customer service for auto Policyholders
  • Over 30 extra car insurance policy features
  • Flexibility to customize your car insurance policy
  • Stability that ranks at the top of the auto insurance industry

Auto Insurance Discounts

At the The Bristor Agency, (602) 429-8242, we strive to provide our Policyholders with as near perfect protection and as near perfect service as is humanly possible.

We’re committed to keeping auto insurance rates as low as possible through disciplined underwriting. Our insurance policies further reduces your auto insurance premium by offering numerous discounts:

  • Auto/Home
  • Auto/Life
  • Auto/Business
  • Epolicy
  • Multi-Car
  • Safe Driver
  • Signals
  • Payment Plan
  • Affinity

Our auto insurance policy protects you against financial loss if you have a car accident. General types of auto insurance coverage include property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage.

Let The Bristor Agency, (602) 429-8242, help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils.  We’re here to help when you are considering Auto insurance.

What does auto insurance do?

Auto insurance in Arizona can protect you from great financial hardship by covering the expenses for medical treatment and the cost to repair or replace vehicles damaged in an accident for which you are determined to me legally responsible. Arizona car insurance can also repair or replace your own vehicle after a theft or accident.

Do I have to have car insurance?

Yes. Drivers in Arizona are financially responsible for damages resulting from accidents they caused. Medical care and vehicle repair or replacement can be extremely expensive. Without insurance you would have to pay these expenses out of your own pocket. Most states require minimum liability insurance coverage. Arizona auto insurance law requires all drivers to have liability insurance that will pay $15,000 for medical expenses for every person hurt in an accident you cause, with a limit of $30,000 for all people who are insurance in the accident. Minimum liability insurance also includes at least $10,000 coverage to repair or replace the other driver’s car.

You will need to prove you have car insurance when you renew your license and register your car. Drivers are also required to show proof of insurance for any traffic stop. If you don’t have insurance, you could have to pay a stiff fine.

How much auto insurance do I need?

The simple fact is minimum liability coverage (15/30/10) is usually not enough to pay for all damages resulting from an accident.

What can I do to reduce the cost of my auto insurance?

Safer drivers have the lowest rates. The longer you go without an accident or citation, the lower your premiums will be. The kind of coverage you have (liability, collision, comprehensive), the amount of your deductible, and the type of vehicle you drive also affect how much you will pay. Many drivers may qualify for discounts based on their driving record, their car’s safety features, and more.

Auto insurance is a type of insurance that is mandated by state law in Arizona.  All drivers are required to carry minimum limits of at least $15,000/$30,000/$10,000.  Most drivers should carry auto limits that are higher than the state requires due to the earning potential and assets of individuals.  The state minimum insurance limits represent bodily injury maximums per person ($15,000) and per accident ($30,000).  If you injure another person in a car accident and the medical bills, lost wages and pain and suffering exceed $15,000 in costs, YOU would likely be held personally liable for claims over your limits.  With rising health care costs and increased litigation, $15,000 doesn’t go very far in a car accident.

Liability Insurance is the most important aspect of your auto insurance policy.  Every time you get behind the wheel, you are driving a potentially dangerous vehicle and as a result, you could be held personally liable for hundreds of thousands of dollars and even millions of dollars.  It is important to be certain that your liability coverage is keeping up with your assets and earnings so that your assets and wages would not be seized in the event of a bad accident.

Uninsured Motorist coverage not what most people think it is.  Uninsured motorist does not pay out to uninsured motorists.  Uninsured motorist coverage protects you from having to pay potential medical bills, loss of wages and pays you pain and suffering if an uninsured motorist causes you bodily injury.

Underinsured Motorist coverage protects you from having to pay potential medical bills, loss of wages and pays you pain and suffering if an underinsured motorist causes you bodily injury.

Medical Payments coverage is always primary and pays all reasonable and customary expenses for necessary medical services furnished, up to the policy limits. If you do not have health insurance, it’s a good idea to consider carrying maximum medical payment limits.  If you are injured in a car accident, your medical bills will add up quickly!

Collision Coverage pays for damage to your vehicle after hitting either a moving or stationary object.  Collision coverage, when combined with comprehensive coverage, is what banks and financial institutions mean by “full coverage”.

Comprehensive Coverage pays to fix your car for almost everything else.  Things covered by comprehensive are fire, explosion, theft, earthquake, vandalism, flood, hail and wind.  The only type of collision claim paid for under the comprehensive coverage is colliding with a bird or an animal.  Comprehensive coverage, when combined with collision coverage, is what banks and financial institutions mean by “full coverage”.

Glass Coverage is an important piece of any auto insurance policy in Arizona. Glass coverage will allow you to repair your windshield at no cost and if the chip has spread to a crack, you can replace your windshield at a lower deductible.

Rideshare Coverage. Do you drive for Uber, Lyft or other rideshare services? You may have a gap in coverage if you don’t have Rideshare Coverage.

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Office hours

Mon – Fri:
8:30 AM – 5:30 PM
Sun – Sat: Closed

(602) 429-8242