Auto Insurance In Lake Havasu City 928-846-8003

Why Locals Choose Us

• Real local knowledge: Highway 95, four-way stops, tourist from all over. We build policies for you.
• You've worked hard for 40 years don't lose it because someone driving your car has an accident.
• High-limit focus: 500k CSL with optional umbrella policy to help shield your home, savings, and retirement.
• Straight talk: We’ll explain coverage in plain English and keep the paperwork simple.
• Friendy and Easy Going Respecting your time and privacy. Get a friendly quote today.
• Gather the following info:Vehicle ID numbers , Drivers name driver's license numbers birth dates Social Security numbers your make and model of vehicles Mileage on the vehicles Mileage per year on vehicles that you'll be driving As in how many miles will you be driving a year purchase date of the vehicle names and birth dates of all parties in the household
• If you've had recent claims or accidents in the last 3 years, and you already have Arizona insurance, now is not the time to get a new policy. Always wait at least three years till after your claim is completed.
• If your credit score has dropped or recently gotten lower It's not a good time to change your insurance. Insurance companies rate you heavily on an insurance score which is based on your credit score. When you have a decent credit score of 750 or more you will probably get a far better price on insurance.
• If you know you're going to finance a car or lease a car which 75% of all vehicles that come off of a lot understand your credit score is going to reduce by a certain factor lowering your credit score will cost you a higher amount in insurance Here's your tick tactical tip if you're gonna get it if you're gonna change companies change companies first on the insurance you have on your current vehicle then after trade in the vehicle and just switch the automobiles on your policy. You will usually save money. Changing policies after you buy a car after your credit score goes down will cost you more money.
• If someone's going to be driving your car more than one time, add them as a driver On your policy. Whether they be a relative or not it's always a good idea to list any and all drivers. Failure to do so can cost you thousands.
• You may want to stop driving people in your cars offering rise may not be a great idea. If you get into an accident and they get hurt, the coverage for the people in your car is limited if you're at fault. only medical coverage is available and it has a small limit.
• Making small claims such as windshield replacement windshield Dings towing lockouts All these are considered claims They are not a service provided by your insurance company they are claims These claims can cost you money for years to come or make it difficult for you to even get insurance through a different carrier If you have numerous small claims I can assure you insurance companies may not insure you. We always suggest having towing coverage through an automobile company as opposed to through your insurance that takes care of your towing your jump starts and your lockouts . Windshield and windshields small scratches on the car such as done by a shopping cart or a door Ding These are all small claims One should think whether or not they really want to file a claim on that because if you file these small claims it will cost you over the next five to seven years on your insurances Sometimes it's better to pay it out of pocket It's a decision you'll need to make . Keep in mind insurances for the big ticket items it was always Designed that way . Insurance is more of a safety net when something bad happens insurance is there to help rescue you they are on your side .
• Attorneys on TV Are trying to promote themselves by making insurance companies look like the bad guy. Insurance companies are basically a partner to you You sign up with them in a contract to work with you in the event something bad happens and they're there for you whereas attorneys advertise on TV telling you they can do this or that and collect all this money in the world and then they collect anywhere from around 25 to 50% of what you get from the insurance carrier in the event you have a loss. There are times when insurance companies can be unfair and utilizing an attorney is the only way to make it fair Most times this is not the case. The way attorneys present it on TV almost makes it looks as though if you have an accident you're gonna come into money and this is simply not true You're going to get covered for your loss That's the whole idea of insurance getting covered for your loss minus your deductible.
• Some insurance companies out there are known to not pay their claims very well When we hear about this it is a deciding factor in whether or not we will suggest to you those companies. As an independent agent and agency we have the latitude to to better select insurance carriers. Some companies with larger names you will notice State Farm farmers Allstate Geico just to name a few can only sell their policies those policies those individual policies whereas an independent agent conceal policies from numerous companies and that gives you a huge advantage That's what Havasu Insurance does and when we hear bad things about certain carriers we choose to no longer represent them Just as if they heard bad things about us they would choose to not let us represent them Haven't had that happen yet
• Does it matter which Insurance carrier you get? Yes. They are not all alike Some too much management and very few people working which means everything costs a lot more and other companies have a great deal of people working with fewer people in management making their earnings higher and the need for more money even less. If you hear about companies laying off people it's because they made a huge mistake along the way of hiring too many management people and therefore having to charge too much money. Along the way they make the realization that they're not being competitive any longer and that's how you know they were charging way too much.
• Insurance is rated on numerous factors Think in terms of 25 different factors at least part of it's the vehicles the replacement parts theft of vehicles How often are those type of vehicles stolen Where you live a lot of it's based on the vehicle and then a lot of it's based on you and your household And with you and your household it could be your credit score your history of Claims Others in your household with their history of claims and they have a fair amount of discounts whether you own a home rent a home how far you went in school job history a good a good credit score Whether or not you've had any claims for anything they call it whether or not you're a claimer People who make claims get charged more and people who don't make claims get charged less.
• When you insure a vehicle in the state of Arizona on Orient we need to make sure that that vehicle is registered in Arizona that registration address should match your driver's license address so you should be having an Arizona drivers license an Arizona registration and your household where you keep the vehicle should all have the same three addresses for those that loved to drive your car back and forth to California or some other state There's a house that you live in and then there's a house that you may vacation in Don't just try and use Lake Havasu city address because they may deny your claim very easily. If your car goes back and forth over state lines constantly the insurance company is not going to want to insure you at all if they find you're working in California on an ongoing basis but claim you live here in Arizona Your claim has a high propensity to be denied. If you actually work in California, insure your car in California.
• Did you know that by purchasing your policy 25 days in advance you can save money? In addition to that paying in full usually saves money. a number of the Questions we ask, are a way to save you money.

Built For Responsible Drivers

• Preferred Pricing: Clean MVR and homeowner discounts.
• Claims: Make smart claims count. Never make a small claim that will cost you for years on end, resulting in higher premiums.
• Protect Your Assets: Strong liability limits mean better defense when you need it most.
• No Fluff: Practical coverage for practical vehicles, plus options for RVs, boats, and side-by-sides.

What Your Policy Can Include

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“Clear advice, quick quote, and coverage that actually made sense for us.” R.M., LHC

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