Auto Insurance

The Right Insurance Auto Quote for You!

Auto InsuranceAuto Insurance At The Right Price!

We take the guesswork out of finding the best insurance for your car or truck! We know how busy you are. You shouldn’t have to spend your time researching auto insurance companies to find exactly what you want you’re looking for. Tio Rico is here to help! Not only will we find you the most affordable car insurance, we will walk you through the entire process. It’s that easy!

Tio Rico insurance agents are auto insurance experts, specially trained to find the best auto insurance for your specific situation and needs. Your Tio Rico insurance agent will find the perfect insurance for you by comparing multiple insurance companies to find a policy that fits your needs and your budget.

Bodily Injury and Property Damage Liability
Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone’s property, up to the limit of liability you select.

If your limits are 15/30/10, this means:
No more than $15,000 would be paid per person for Bodily Injury
No more than $15,000 would be paid per person for Bodily Injury
No more than $10,000 would be paid per accident for Property Damage

Example:
You are at fault for an accident that injured two people and damaged another vehicle. The other driver’s total medical bills were $1,000 and the other passenger’s total medical bills were $1,500.

The damage to the other vehicle was $5,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person’s injuries were less than $15,000, and the amount for all injuries was less than $30,000. The other vehicle’s damage also was below the $10,000 Property Damage Liability limit.

On the other hand, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, you are responsible for the remaining damage, which might put your personal assets at risk.

Comprehensive and Collision
Comprehensive and Collision coverage’s pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.

With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.

Uninsured/Underinsured Motorist
When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.

If your injury expenses exceed the at-fault party’s Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person’s insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person’s Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.

If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

Example:

A driver who has no insurance rear-ends your car while you’re sitting at a stop sign. Your car has $2,000 in damage. You go to the doctor because your neck is hurting, and your total medical bills equal $300. Your Uninsured Motorist limits are $20,000/$40,000/$15,000, which means your injuries and the damage to your car fall within these limits and will be covered.

Medical Payments
Medical Payments (MedPay) coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted. Refer to your policy for details.

Example
You sustain $2,000 in injuries from an accident in which you ran into a tree. You do not have any health insurance, which means you can use your MedPay coverage, up to the $1,000 limit you selected, for your injuries. You are responsible for the other $1,000 in medical bills.

Loan/Lease Payoff Coverage
Loan/Lease Payoff coverage pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your Comprehensive or Collision deductible. Both Comprehensive and Collision coverage are required before you can add Loan/Lease Payoff to your policy.

You can purchase Loan/Lease Payoff coverage for vehicles that you lease or for which you have an unpaid loan. This coverage is only available if your loan or lease is held by a financial institution, not an individual.

After your Comprehensive coverage or your Collision coverage has paid you the actual cash value for your vehicle, less your deductible, your Loan/Lease Payoff coverage will pay the difference between the actual cash value and any additional amount you owe under the terms of your vehicle lease or loan (excepting fees and charges). However, the payment made under this coverage may not exceed 25 percent of the actual cash value.

Glass Coverage:
This coverage is added to your comprehensive coverage and has a $0 deductible at the time of repair. Glass Coverage does not count against you as a claim on your record.

Insurance services and quotes are provided by Go Insurance Group, LLC.

Insurance products are restricted to Arizona residents. We offer insurance by phone and internet through agents of Go Insurance Group, LLC. Mobile quotes are for policies purchased directly from Go Insurance Group, LLC. Not available in all states and situations.