Posts Tagged ‘auto insurance quote’
Thursday, April 1st, 2010
So we have lots of new young drivers in arizona every year and if you are one of them this article is for you. If you are in your mid 30s and you are moving out of your mamas house and for some reason till now you decided to take up driving, this article is still for you.
Congratulations, now you have your own car, but what’s next? Should I put those new shiny wheels or get that new blasting car stereo that connects to your phone via bluetooth?,
Yea if you are smiling and thinking “I do need a new stereo” keep reading, because if you don’t get insurance first those new shiny wheels or that new stereo is going to the tow yard. Yes, if you drive in the state of Arizona without insurance and the police pulls you over, your car is going to the tow yard. Believe me, it doesn’t work to tell the officer you’re sorry or that you didn’t know. I’m not even going to mention the fees they are going stick you with and what you’ll need to pay to get it out. plus you’ll need to prove that you have liability insurance, you might be asking,” What is that,? Why does the state make such a big deal about it? How do I get that?”. Well to get it, you have to step in a Oasis Insurance office, There are 17 locations Including Tucson Arizona to get covered.
Here is a quick explanation of what liability insurance is or better yet what it is not:
It will not cover your own vehicle damage at all. It will not cover theft of your vehicle. It will not cover yours and your friends medical expenses in case you had an accident… so what is this liability insurance then?
In case you are driving and you have an at fault accident this liability insurance will pay the damage caused to the other poor driver when you were trying to show off with your friends. It will only pay the damage to the other driver’s car and the bodily injury caused to the other driver and their passengers. You have two parts in your liability insurance:
First Bodily Injury: The minimum limit in the state of Arizona is 15,000 per person and 30,000 per occurrence. This means if there were 4 people in that car you hit the insurance will only pay up to 30,000 for the medical. This amount will have to be divided between all the passengers with a max limit of 15,000 per one person. It will not pay all 30,000 on one passenger.
Second part is the Property Damage: 10,000 This part is easy, The max limit the insurance will pay fir all property damage is10,000.
And that is Liability insurance. It only pays the other driver, not yourself. Other sections of your insurance policy can cover your medical expenses and damage to your car, but its a different section, If you want to know more about getting coverage for your medical expenses or damage to your own car, call Oasis insurance at 480 649 8001 and speak to an Agent today, We will be able to explain more on the different coverages you can get. Or visit us online and get a quick quote :with one click you will get up to 40 quotes: http://www.oasisinsurance.com
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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 »
Monday, November 30th, 2009
There are many auto insurance discounts. Things like good student, good driver, mature driver, homeowner even “bundling” your insurance can give you discounts. If you have your auto insurance with oasis insurance, you should ask us about renter insurance or home owner insurance to give you a discount on your auto insurance. Renter insurance can sometimes be the amount of the discount you would receive on your auto insurance and that is like FREE INSURANCE. Get a free auto insurance quote from Oasis Insurance in Arizona. Come by any of our 18 offices or call us at our quote line 480-649-8001 press option 3. or go online to our web site Oasis Insurance .com For a free auto quote and or home owner or renter insurance quote. It is a great thing to requote your insurance every 6 months to see if you get more discounts including prior insurance discount for having continuous insurance for 6 months or more.
www.oasisinsurance.com
Tags: arizona, Auto Insurance, auto insurance quote, avondale, car insurance quote, chandler, glendale, Homeowner Insurance, insurance, mesa, phoenix, queen creek, Renter's Insurance, surprise, tempe, tucson, tuscon
Posted in Auto Insurance, Homeowner Insurance, Renter's Insurance | No Comments »
Saturday, November 14th, 2009
So many people out there don’t have a clue how important it is to be properly covered. Properly covered? What dose properly mean? Well let me explain to you what this means. Depending on your financial status and your assets you should be adjusting your coverage to adequately cover your finances and assets. Take this story as an example, happened to a friend of mine. He had 2 homes,3 cars a good 20,000 in the bank. A family man, with 2 kids and a wife was involved in a severe car accident with a 10 passenger van that unfortunately had every seat occupied. He was determined to be 100% at fault. At the end of this terrible ordeal he was facing a $205,000 hospital bill along with personal suits from the passengers. To make a long story short him and his family are now living in a 1bedroom apartment and up to this day they still garnish his wages to finish paying what he owes . So next time your in our offices please take the time and ask your agent if you are properly covered. They have the knowledge, experience, and the coverages that you need.
Visit our site or call us for a free analysis of your insurance coverages and a free quote.
oasisinsurance.com
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Posted in Auto Insurance, Homeowner Insurance | No Comments »
Saturday, November 14th, 2009
“I only want street legal insurance”.
A lot of client come in the office requesting auto insurance quotes, asking only for “street legal insurance” or “ insurance to show the cops if pulled over”. Some times we need to step back and see the real picture , insurance is not for the cops and street legal has the minimum limits.
In AZ It’s 15/30/10 what do this numbers stand for, if you are at fault in an accident your insurance will pay the other driver $15,000 tops per person for medical payments, and $30,000 tops per occurrence only for medical payments, and it refers to; in one accident your limits will only pay $30,000 so if you have more than 4 passengers in the vehicle you hit only 30,000 will be available to share in the 4 passengers. The las 10 refers to $10,000 for Property Damage , the average vehicle on the streets is more than $12,000 , Another scenario say the vehicle hit is not a total loss but you hit 2 vehicles, the $10,000 limit would have to share in 2 vehicle 5,000 per vehicle. Now if any thing goes over your limits your liable. Or in other word you would pay out of pocket.
If you are asking for this “street legal insurance “not only the coverage you are asking is the minimum but you are not asking for medical coverage if some one hits you, and guess what your passengers can also sue you if you in an accident.
“Solo lo que requiere la ley”
Muchos clientes piden presupuestos con cobertura “ solo lo que requiere la ley” o “solo aseguranza para mostrarle a la policía si te para” En este caso necesitamos analizar la petición, la aseguranza no es para la policía y los limites minimos en casos no son suficientes,
Los limites minimos en Arizona so 15/30/10 y esto números se refieren a los pagos medicos del otro conductor en un accident $15,000 por persona como tope y $30,000 por accidente, en otras palabras el limite es $30,000 por accidente digamos que el otro vehículo tenia 4 pasajeros tus limite solo paga el tope de 30,000 para los gastos medicos, El ultimo 10 se refiere a $10,000 para reparar o pagar propiedad dañada, el vehículo promedio en las calles es de $12,000 , o en otro caso digamos que en el accident le pegas a 2 vehiculos, tu limit solo tendría $10,000 para compartir en los 2 vehículos en otras palabras $5,000 por vehiculo, Si alguna cantidad supera tus limites de tu azaguranza tendrias que pagar de tu bolsillo.
Si pides aseguranza solo con lo que la ley requiere no solo estas pidiendo los mínimos limites, si no que no estas pidiendo cobertura para gastos medicos si hay un accidente y el otro conductor es culpable, tus pasajeros también pueden demandarte si no tienes cobertura para gastos medicos.
www.oasisinsurance.com
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Wednesday, November 4th, 2009
Arizona state law for automobile insurance financial responsibility requires you carry limits of at least 15,000 per person, 30,000 max per accident for bodily injury and 10,000 max for property damage for third party damages.
In reality that is not sufficient coverage in any case regardless of your financial position, you can get into a minor accident with just about any car on the road and meet or exceed those limits quickly. If you get into a serious accident you can exceed those limits all to quickly. If the damages you cause are severe enough, and you have any assets of value you can risk being sued for the damages you caused along with compensation for pain and suffering should your policy limits not be sufficient to cover those damages. You can be at risk for loosing your home, car, tax liens, judgements, anything else of value you may own, etc. It’s something you would much rather not go through.
Even if you don’t have any assets of value your still at risk for other repercussions you may not know about.
You can avoid having this happen to you, or minimize the risk by purchasing higher limits of liability on your auto insurance policy. At Oasis Insurance our agents evaluate each clients individual needs and offer you adequate coverage for your specific situation. Often, increasing your limits of liability is such a small difference in your premium its not worth the risk of not get them at higher limits. All to often some agencies do not evaluate each clients individual needs and offer them adequate coverage and just sell you anything to close a deal. Being in business since 1997, Oasis Insurance has learned to recognize different needs for different customers and is able to offer you unbeatable rates anywhere in The Valley regardless of your economic situation.
You should always review your policy with your agent upon renewal to ensure your policy limits and other coverages are where they should be.
Visit Oasis Insurance for up to 40 quotes for Insurance from just one form. Lowest Monthly Payments!
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Wednesday, November 4th, 2009
There is an easy way that you can get better car insurance. Believe it or no, many people do not like the car insurance that they currently have in place due to price or service they receive. But instead of doing anything about it, they keep things the same month after month. Why pay for something that you do not like? This is a wast of money. With a few simple changes and one easy phone call to Oasis Insurance you can easily find yourself with a better car insurance policy and less stress in your life. So what is the magical formula for finding a better car insurance company? It’s no secret, you need to obtain multiple quotes from Oasis Insurance. In other words, if you think that there is something better out there, then there probably is, so you need to go out and find it. The best way to do this is by obtaining quotes from Oasis Insurance online or by calling one or our offices. Remember, your provider is not the only one around. What do I do with all of these quotes? Once you have a list of quotes, you can then see what other companies have to office. Do you see a policy with a better price? How about one at the same price but with more coverage. Here at Oasis we will give your best option for price and coverage. You don’t need to know a lot about car insurance to be able to compare your coverages to the quotes your receive. The information is self- explanatory, and all it takes is some time to go over each quote. The easiest way to find a better car insurance policy is to compare quotes to your current coverage. This is simple on the surface, and you will find that it does not get much more difficult. Soon enough you will know how good your car insurance policy is, and whether or not making a change will be for the better.
Tags: arizona, Auto Insurance, auto insurance policy, auto insurance quote, avondale, az, car insurance, car insurance quote, coverage, el mirage, glendale, mesa, phoenix, surprise, tempe
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