Auto Insurance

Car Insurance Services For Surprise, Glendale, & Peoria, AZ

Don’t Just Be a Good Driver, Be a Responsible Driver

Don’t Just Be a Good Driver, Be a Responsible Driver

Anything can happen on the road, so being prepared for it is the ideal way to save money. Comprehensive auto insurance is the only way to properly protect yourself if an accident, theft or hit and run should occur.

The auto insurance options offered by Ideal Insurance Agency are delivered with complete personalization so that you are able to benefit from a tailor made strategy that suits the way you drive. Our specialists communicate with you regarding your needs in order to find the most protective policy for complete confidence on the road.

As your trusted source for car insurance, Ideal Insurance Agency offers a variety of coverage and additional protection options, such as:

  • Coverage of medical payments
  • Coverage for liability
  • Coverage for collisions
  • Comprehensive coverage
  • Underinsured & uninsured motorist coverage
  • Roadside assistance
  • Towing inclusion
  • Reimbursement of rentals
  • Accident and minor vehicle forgiveness
  • Diminishing deductible
  • Insurance for specialty auto
  • Mexican auto insurance

Why Do You Need Auto Insurance?

Accidents are devastating for the people involved, and lead to massive costs and often serious legal issues associated with injuries.

Not only is purchasing auto insurance the most responsible thing to do, but it is essential in keeping your finances intact. Your auto insurance policy will assist with any out of pocket expense related to the accident, including property damage, vehicular damage, the medical expenses arising from injuries and a host of other services you may need, such as roadside assistance. Each auto insurance policy is custom built to offer only what you need so that you are not paying for non-essential extras.

We provide car insurance to drivers near Surprise, Glendale, Peoria, Sun City, Sun City West, Wickenburg, and Phoenix.

Auto insurance can help you save!

  • Retirement Community
  • Good Student Discount
  • Good Driver / Safe Driver Discount
  • Multi Car Discount
  • Multi Policy Discount
  • Anti-Theft Device
  • New Car Discount
  • Hybrid Vehicle Discount
  • And More!!!

Our Auto Insurance Coverage Options Include:

Liability Coverage

Make Sure That You Are Insured!

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components Of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal when you are driving.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with Ideal Insurance Agency today for more information about what Liability Coverage can do for you.

Comprehensive Coverage

The Highest Level of Security Both Off and On the Road

Accidents are not the only cause for concern when you are on the road. Ideal Insurance Agency offers a range of comprehensive coverage plans that deliver peace of mind in every eventuality, whether you are driving or not. This type of policy assists with the costs associated with anything that happens to your vehicle, even if you are not behind the wheel.
Being prepared for every circumstance is really the only way to prevent yourself from spending a lot of money in damages when the unexpected occurs. Your personal insurance broker will put together a policy that offers protection in any and all of the following scenarios:
  • Theft
  • Larceny
  • Fire
  • Damage from weather events such as flood or hail
  • Vandalism
  • Broken windows
  • Accidents involving wildlife
  • Damage occurring from flying or falling objects

Other Non-Collision Related Services

In addition to Comprehensive, Ideal Insurance Agency also can offer other non-collision-oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.

  • Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
  • Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.

Collision Coverage

Protection for Your Vehicle from Bumper to Bumper

Your car is one of your most heavily relied upon assets. This investment needs to be protected so that you do not suddenly lose your only mode of transportation without backup options available to you. Collision Coverage offered by Ideal Insurance Agency allows you to enjoy more peace of mind if an accident occurs no matter the circumstances.

How Much Collision Coverage is Needed?

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Ideal Insurance Agency can help you find an insurance option that best fits your budget.

In addition to protecting, you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

  • Diminishing Deductible rewards, you with credit towards your collision deductible simply for being an accident and violation-free driver.
  • GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
  • Accident Forgiveness ensures that your rates won’t increase because of a single accident.

Contact Ideal Insurance Agency today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.

Uninsured & Underinsured Motorist Coverage

Protect Yourself From Irresponsible Drivers

You are doing your part to ensure your safety and the safety of others on the road, but not everyone out there with you has the same objective. Your auto insurance policy protects you, but if the accident is caused by another person who does not carry insurance, then you will need to foot the bill for all of your out of pocket expenses. This could drive up your premiums and cause severe havoc on your finances.

It’s Important To Be Prepared For Everything

If the at-fault driver carries no insurance, or their liability coverage is too low to cover all of your medical and property damage, then uninsured and underinsured motorist coverage will ensure that your out of pocket expenses are reduced. Ideal Insurance Agency will assist you with putting together the appropriate policy that will protect you in the circumstances that you are hit by an uninsured or underinsured motorist.

As this type of policy is often offered as an add-on, you can speak to your specialist at Ideal Insurance Agency to ensure that your policy includes uninsured and underinsured motorist coverage.

Diminishing Deductible

Be Rewarded For Your Good Driving

Safety is easily the biggest concern on the road, not only for you, but for your passengers, other drivers and pedestrians. You deserve more for being a safe driver, so your specialist at Ideal Insurance Agency will be able to offer you rewards for your safe driving, in the form of a diminishing deductible. By avoiding accidents and traffic violations, you will pay less if an accident should occur.

For each year that you carry a policy with Ideal Insurance Agency and enjoy an accident-free experience on the road, your deductible will decrease by $100. You will also receive a $100 reduction of your deductible just by purchasing a policy. Altogether, you can save up to $500 on your deductible over time.

For even more options, talk to a representative with Ideal Insurance Agency about Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.

It’s just one more way that Ideal Insurance Agency can provide quality coverage options for safe drivers.

Accident Forgiveness

Your Driving Record Need Not Be Affected By Just One Accident

Accidents happen for a variety of reasons, many of which are completely beyond your control. As a safe driver, being penalized for having one accident on your record is not ideal. With the proper coverage from Ideal Insurance Agency, you can gain forgiveness for your first accident, allowing your premiums to remain at the initial low cost.

Accident forgiveness applies even if the accident was your fault. This type of reward is available immediately and then three years after you have first used it, keeping your rates low and your driving record intact.

Contact Ideal Insurance Agency today to find out how you can receive the benefits of Accident Forgiveness for your Auto Insurance policy.

Minor Violation Forgiveness

A Second Chance for a Clean Driving Record

No matter how many precautions you take when you are behind the wheel, things happen. If you receive a citation for a minor traffic violation, then your driving record is compromised.

Ideal Insurance Agency offers a range of coverage options that allow for minor violation forgiveness that allows you to avoid a rate increase when a minor citation occurs.

The major benefit of minor violation forgiveness is that upon receiving a minor traffic citation such as a speeding or parking ticket, we will not increase your rates. This type of coverage is similar to accident forgiveness, renewing three years after the benefit is used.

To find out more about how you can protect your reputation as a safe driver, contact Ideal Insurance Agency today.

Roadside Assistance

Assistance Anywhere, Any Time

Breakdowns never happen when it is convenient. If you find yourself with a flat tire, a car that will not start, or an overheating engine, then having the resources you need available with a simple phone call is a convenient way to get to where you need to go. At Ideal Insurance Agency, we offer a number of roadside assistance* packages through Allied Insurance’s “Sign and Drive” service:
  • Basic Package: Delivery of fuel, jump starts, towing of up to 15 miles, lockout service, flat tires and membership discounts.
  • Plus Package: All of the benefits of the Basic Package with coverage for trip interruption, emergency messages, toping up to 100 miles, pre-trip map routine and turn by turn directions.

With Roadside Assistance, you’ll never be alone behind the wheel. Contact Ideal Insurance Agency today to find out how you can get signed up.

Services apply while driving any vehicle with any occupant from an Allied household (insureds and in-home relatives).

*Roadside Assistance coverages and availability vary from state to state. Please contact a representative at Ideal Insurance Agency for full details.

Specialty Auto Insurance

Protect Your Hobby

As an avid auto enthusiast, your collectible car or custom-built muscle car is one of your most prized possessions. With all the time, effort, and most importantly, money, which you have put into your vehicle, you want to ensure that you protect that asset. At Ideal Insurance Agency, we love your car as much as you do, so we want to offer you the most comprehensive insurance to make sure that your vehicle stays in perfect condition.

Your specialty car requires more than an ordinary insurance policy. We offer specialized coverage tailored specifically for a range of different vehicle types:

  • Collectible Cars
  • Classic Cars
  • Antique Cars
  • Custom-Built Cars
  • Racing Cars
  • Show Cars
  • Hot Rods

With options and choices ranging from agreed value coverage to spare parts coverage, Ideal Insurance Agency can deliver the tools you need to insure your timeless automobile. We even offer multi-vehicle discounts for the avid collector.

Whatever your situation, you can rest assured knowing that your Specialty Auto is protected with Ideal Insurance Agency.

Towing

Get Immediate Assistance When You Really Need It

Your vehicle is important in providing the freedom to be able to easily go from one place to another. Some of life’s most amazing adventures are made possible by your car, so when is breaks down, this can severely impact your flexibility.

Ideal Insurance Agency offers a specific policy for towing at times of an unexpected breakdown. Towing can be expensive, with so many fees, but by adding towing coverage to your insurance policy, you will be able to access towing services quickly, easily and affordably.

In addition to our Towing coverage, Ideal Insurance Agency also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative with Ideal Insurance Agency today for more information.

Rental Reimbursement

Never Be Without a Car Again

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, Ideal Insurance Agency offers Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with an insurance specialist from Ideal Insurance Agency to make sure you know what’s covered and to see if you qualify for this additional service.

Mexico Auto Insurance

Medical Payments Coverage

Don’t Risk Your Safety

If you are involved in an auto accident, then the health and safety of you, your passenger and other parties is severely compromised. Your number one priority is the safety of yourself and those around you, ensuring that everyone has the medical care they need to recover properly.

Ideal Insurance Agency offers auto insurance policies that include medical payments. This type of policy covers medical expenses that rise above what your standard policy will cover, regardless of who is at fault. Rather than risk your safety and health on the road, this type of coverage is the ideal way to ensure that you can afford your medical treatment.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, keep in mind that with the right Auto Insurance policy, you won’t have to anymore.

Contact Ideal Insurance Agency today to learn about how the right coverage can keep those you care about most protected.

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