Posts Tagged ‘arizona insurance law’
Wednesday, February 24th, 2010
Buying a car?
Oasis Insurance works with over 100 auto dealers and car lots in Arizona. If you are shopping for a new car or a new too you car you can always stop by any of our 18 locations and we can give you a list of dealers that we work with that will give you some of the best deals you will find. We will even give you a discount on your insurance down payment for your new car. If you buy a car with someone that we do not work with, no problem. We will send someone out to meet you at the dealer or insure you by fax so you wont have to drive your new car uninsured. Call us to day! 480-649-8001 VALLEYWIDE in arizona or online at www.oasisinsurance.com and get up to 40 quotes at once! no obligation, no harassing phone calls!
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Tuesday, December 15th, 2009
Consider looking into saving on your renewal within one month’s time of renewing your car insurance policy. If you decide to cancel before renewal fees might occur, benefits to waiting on renewal no penalties or fees. If you have the cash pay the policy in full for a discount rather than monthly or quarterly.
However, make sure you have your new insurer in place before canceling the old one. You never want to be without coverage.
Combine all your insurance policies to get lower car insurance quotes. You will receive discount car insurance if you have additional insurance policies with the same company. If you need insurance for multiple vehicles, home insurance, motorcycle insurance, boat insurance, business insurance, etc, you may ask for additional insurance quotes on those items. Remember to get quotes every six months, to assure the lowest prices are always changing. At Oasis Insurance we constantly add new companies to our large selection and always offering you a free quote in person in any of our 18 Arizona locations valley wide or call us at 480-649-8001 press option 3 to get an insurance quote specialist directly or visit us online at oasisinsurance.com
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Thursday, December 10th, 2009
At Oasis insurance we always make sure that we apply any discounts we can to your policy so that you are able to get the cheapest auto insurance and home owner insurance policy possible in Arizona.
Some of the discounts that you can receive are:
Multi Policy (combining auto and home or auto and renters)
Multi Car (more than one vehicle on one policy)
Prior insurance (more than 6 months of continuous coverage)
even your job may give you a discount.
You SHOULD be requoting your auto insurance policy every 6 months to see if your prior insurance discount can save you even more money. Some companies will give auto insurance discounts for continuous coverage up to as much as 5 years. So the longer you keep insurance the better the discount. That does not mean you have to have the same policy, just no lapse in coverage.
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Posted in Auto Insurance, Discounts, Homeowner Insurance | No Comments »
Saturday, November 14th, 2009
When you go into an insurance agency and ask for “basic full coverage” do you understand what you are purchasing? Let me explain,that means most of the time you have purchased the lowest liability coverage availble which is Bodily Injury coverage at 15,000 per person, 30,000 per accident, and 10,000 property damage of others. Many refer to this coverage as BIPD. You have also purchased comprehensive which covers Fire, Theft and Vandalism, and Collision incase you vehicle is in a collision accident of any sort, a deductible is chosen anywhere from $100 to $1,500 which you are responsible for in order for the company to investigate & finish the claim process. THATS IT! You did not purchase Medical Payments for you or your passengers, Un-insured/Under-insured Motorist, Glass Coverage, Towing, or Rental…..You have asked for just the “basic”and that is what is sold to you per your request. This satisfies the state mandatory insurance coverage and most of the time the leinholder/finance company, but in all reality, if you were depending on your policy to have sufficient coverage and limits to cover you over and beyond, to not have to worry about getting sued, or put a lein on any assets you own incase it was a huge severe accident and many medical bills were incurred, or if you needed a vehicle to get you to work for a loaner car this is not the coverage you need . Please make sure next time you ask for “basic full coverage” you understand what your signature is agreeing too. Oasis Insurance would gladly help you with a good policy to cover all your insurance needs.
Oasis Insurance
3202 E Greenway Rd Ste1615
Phoenix, AZ 85037
http://www.oasisinsurance.com
ph:602-569-2323
Fax: 602-765-4563
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Wednesday, November 4th, 2009
Basic liability is what the state requires on all vehicle that are registered in Arizona, it is basically to cover whatever bodily injury or property damage the insured has caused to another person. It is also to prevent the law enforcement from taking your vehicle if for any reason their was a traffic stop and you cold not prove, proof of insurance. Basic liability limits in the State of Arizona is 15000/30000 for bodily injury and 10000 for property.
Tags: arizona, arizona insurance law, arizona liability insurance, Auto Insurance, coverage, insurance, liability, sr-22, sr22
Posted in Auto Insurance | No Comments »
Wednesday, November 4th, 2009
Bill HB2224 is now law. I know, what is HB2224 right?. Its a “no Insurance” law. Here in Arizona for as long as I can remember If you were caught driving with out insurance you would get a ticket, usually the ticket would be for $960.00. Before HB2224 became a law if you got a ticket for no insurance you could buy an insurance policy literally 1 hr before you court date and the judge would knock down the fine to about $200 . Right after court you could cancel your policy right away get your money back and be on your mary way.
Well this new law will help prevent this from happening. In a way this takes the power away from the judge when it comes down to waving or lowering penalty fees. Lets say its your first offense. The law states that you will get a minimum penalty fee of $500 and you will get your drivers license and registration suspended for 3 months. Talk about tough huh?
On your second offense, if you dare to do it again. I know I wont!. You would pay $750 and get your Drivers license and registration suspended for 6 months. Thats a lot of public transportation! And finally if you do it 3 or more times you would pay $1,000 and get your drivers license and registration suspended for 1 year and be required to get an SR-22* .
Your probably wondering why or how does this affect me personally anyway? Since I’m sure you always have insurance on your vehicle. In case you didn’t know for the past 5 years Arizona has been rated as one of the highest uninsured motorist (driving with out insurance)states. This affects everyone have you ever been involved in an accident with a person who has no insurance? It sucks. And not just that are you wondering why your insurance rates keep going up every 6 months even if you have been a perfect driver. Well I’ll tell you uninsured drivers that’s why. Every time an uninsured driver causes an accident in our state and the other insurance company , who at no fault of their insured has to pay to get the car fixed.
This law will help keep our roads safer and our insurance cost lower, a win-win in my book. If you don’t have insurance now get it . Call Oasis insurance they will get you insured ASAP and keep you from getting all those fines!.
*SR-22 is document or electronic certification issued by an auto insurance company that verifies to the state that you have an active auto insurance policy. It will also notify the state if you cancel you policy, then the state suspends your registration and sometimes suspends your drivers license until you activate your insurance again
Tags: Arizona house bill, arizona insurance law, arizona liability insurance, hb 2224
Posted in Auto Insurance | No Comments »