Arizona Independent Auto and Home Insurance Agency

About Phoenix

Phoenix was incorporated in 1881 and became a mayor-council type government. Judge John T Alsap was elected by a margin of 20 votes (127 to 107) to become the city's first mayor. The railroad in the 1880's turned Phoenix into a trade center and the Phoenix Chamber of Commerce was organized in 1888 to help promote business in the area.

Phoenix Fact Sheet:

• Current Mayor: Phil Gordon
• 2005 Population (City of Phoenix only): 1,475,834
• The Phoenix Metropolitan area had 4,039,182 residents as of the year 2006
• Elevation: 1086ft
• Size: 515.1 Sq Miles
• The capitol of Arizona
• The fifth largest city in the United States
• Climate: More than 300 sunny days a year and an average temperature of 74 degrees. Temperature reaches or exceeds 100° on average 89 days per year.
• Average Rainfall: 8.3 in/year
• On April 10, 1874, the entire Town was worth $550

Phoenix Auto Insurance Law

• -Automobiles driven on Arizona State roadways are required to carry a minimum of 15/30/10 BIPD or Bodily Injury - Property Damage coverage.
• -DUI Violations result in suspension of license and restricted license status. Violations are counted against insurance rates for 36-60 months.
• -SR22 Filings are required for drivers with DUI Violations and Suspended/Reinstated Licenses for up to 5 years
• -SR22 Filings can also be required if the owner fails to carry minimum liability coverage
• -Phoenix Police Department may, at discretion tow and impound for 30 days, any vehicle driven where the operator doesnt carry a current valid drivers license, vehicle registration and proof of financial responsibility. Fines and Fees average about $1500 per violation

PERSONAL LINES INSURANCE

• Auto
• Home
• Life
• Health
• Long Term Care
• Watercraft
• Personal Umbrella
• Renters Insurance
• Offroad Vehicles

We have the lowest Auto insurance rates in Arizona!

• Business Auto
• Home Based Business
• Key Person Life
• Group Life
• Group Health
• Inland Marine
• Business Owners Policy
• Commercial Umbrella
• Commercial General Liability
• Workers' Compensation
• Artisan Contractors
• Business Property

Phoenix Insurance Discounts

Here are a few discounts that you may qualify for. Not all of them are offered by every insurance company, however several combinations of the following will apply.

• Good Driving Record
• Drivers Education
• Prior Insurance
• Good Student
• Graduate and Post-Graduate Degrees
• Affinity - Employer Groups and Occupation
• Packaged Policy Discounts (Auto, Home, Umbrella, etc)
• EFT or Automatic Premium Payment Withdrawals
• Good Consumer Report Standing
• Anti-Theft Devices (LoJack, Alarms, Tracking Devices, Auto-Disabling Ignition Kill)
• Multi-Car Discounts

Arizona Law Agencies Impound Over 18,000 Autos in One Year - In August of 2005, a law took effect in arizona that requires that vehicles involved in traffic accidents be impounded for 30 days if the driver does not have a Drivers License or Proof Insurance or Financial Responsibility. The Phoenix Metropolitan Area agencies of Glendale, Goodyear, Peoria, Phoenix, Avondale, Mesa and the Maricopa County Sheriffs Office have been tracking data of Autos towed. In the last year, over 18,000 of these vehicles were impounded. (READ MORE)

6-3-07 Diminishing Deductibles: What are they and how do they work? - Diminishing deductibles are programs offered by some insurance carriers that through a number of different means, the insurance carrier agrees to reduce the collision deductible of your vehicle for your next claim by a pre-determined dollar amount at certain intervals throughout your policy period..(READ MORE )