Things to Know About Peoria AZ Auto Insurance

If you are a Peoria, AZ resident in need of auto insurance, then search no further than Schaller & Thomas Family Insurance. We have a team of experienced agents who strive each day to offer you an insurance plan you need at an affordable price.

Schaller & Thomas Family Insurance provides a comprehensive car insurance plan and also offers liability policy and other auto insurance coverage. We keep our rates such that our coverage matches the value of your funds providing the protection you need to protect both you and the car in the event of an accident.

Before purchasing an auto insurance coverage in Peoria, AZ, there are things you should know which include;

What is auto insurance?

This is the insurance planned to provide you with a financial protection in an incidence of an accident. It is a requirement of the state, and you are not allowed to drive without auto insurance.

Car insurance premiums

This is the amount you have to pay to get an insurance policy. You need to pay premiums to the insurance company, and in return, they will pay for your losses when damage occurs.

Auto insurance coverage

These are written policies by the insurance company which states your coverage

What are auto insurance deductibles?

Car insurance coverage has deductibles which are also referred to as excess payments. This happens when you claim your auto insurance policy. You are required to pay the excess fees to get compensation for the damages. The more the deductibles, the lesser your premiums will be, and this means that you will have to pay a lot more if an accident or damages occur and pay little on your premium.

How are premiums determined

Premiums are determined by many factors which include your driving record, age, gender, type of the vehicle being insured and the credit ratings.

Get an auto insurance quote in Peoria, AZ today by contacting us or getting it through our online rating tools and get started.

When Does a Small Business Need to Start Thinking About Commercial Insurance?

Commercial insurance is important for any business and for many reasons. If you are a small business, you may not have considered commercial insurance a necessity. The truth is, the more business you conduct, the more vulnerable you are to accidents and mistakes. That is where commercial insurance comes in. Instead of shutting down your business because of expenses owed to a third party after an accident, commercial insurance can cover all or most of that cost so your business doesn’t skip a beat. If you are in the Peoria, AZ area, then insurance agents like you will find at Schaller & Thomas Family Insurance can help you secure the best policy for your business.

Providing for Employees

If you have employees, then you need insurance that covers at least workers’ compensation. All companies with employees in the United States, including Arizona, must have worker’s compensation in place even for just one employee. After getting worker’s compensation insurance, other commercial insurance policies can cover many situations, such as business property in the event of damage, or from liability if a third party is injured or their property is damaged. 

When should your small business start thinking about commercial insurance? It’s a good idea to start thinking about it from the beginning, or at least once you start hiring employees, since employee-related insurance is required anyway.

Get a Quote Today

If your small business lacks commercial insurance, or if you are looking for a quote on a better rate than the commercial insurance you already have, then contacting Schaller & Thomas Family Insurance is the best place to start. If you live in or near Peoria, AZ, they can help you find the plan and rate that meet your needs. Contact them today to get a quote.