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Since Phoenix is one of the largest and fastest growing cities in the United States, the volume of cars on the road combined with other factors like distracted driving unfortunately increase your chances of being involved in an accident. You need an insurance broker who looks out for you and your family.  Coriano Insurance Agency is a family run, independent brokerage with the ability to sell 60+ different insurance carriers like Safeco (a Liberty Mutual Company), Progressive, Travelers, Encompass (an Allstate company), Stillwater, Mercury, Farmers, Badger Mutual, Clear Cover, Chubb, AIG and more.  With this ability, we can find a policy that fits your specific needs and typically saves you money over going with a captive agent or any other solution.  We are committed to saving our clients money and providing top notch customer service which means that if you need to make an adjustment to your policy, have a question or a claim, you can call us- not a 1-800 number.


Contact us today to review your coverage

Important Arizona Auto Insurance Coverages

Liability Coverages

Your auto insurance policy can protect you and your love ones from injury caused by others, protect your vehicle, and protect other people and their property so you don’t get sued for uncovered damages. 

Your auto insurance is there to protect you and your family from injury/ property damage caused by others as well as to protect other people and their property so that you are not personally liable for uncovered damages.

  • Bodily Injury Liability - this coverage protects you from financial loss in the event you are found to be at fault in an accident and another party is injured. This coverage pays the other party for their medical bills and related expenses. As medical costs continue to rise, it becomes increasingly risky to carry liability limits that are too low.

  • Property Damage Liability - this coverage protects you from financial loss by paying for property damage of others that you are determined to be at fault for.  Typical property damage would be the person’s car that you damaged in an accident.  Other property could be a guard rail, house, or any other property that belongs to someone else. This is the part of your policy that compensates the other person for the damages you cause. 

  • Medical Payments - this coverage pays for you and your passengers should they be injured in an accident regardless of who is at fault. Typical coverage limits offered are from $1,000 to $10,000.

  • Un-insured Motorist & Under-insured Motorist Bodily Injury Liability - this coverage pays for your injuries if you are involved in an accident caused by another person, who was either not insured themselves at all or did not purchase enough bodily injury liability coverage to cover your medical expenses.  This coverage is an extremely important because you have no control over how much insurance other people have decided to carry. 

Physical Damage Coverage

  • Comprehensive Coverage - this coverage covers your vehicle for damage caused by anything other than a collision such as theft damage, hail (or other weather related issues), vandalism, impact with an animal or glass breakage from rocks are also included in this coverage.  Most policies offer an option for glass coverage with no deductible.

  • Collision Coverage - this coverage covers your vehicle for impact damage from a fixed or moving object (other than an animal).  An example would be a collision with another vehicle or a fixed object like a tree or a building. ​

Auto Insurance Minimum Requirements in Arizona

To legally drive in Arizona, you must maintain the state minimum liability limits which are bodily injury liability of $25,000 per person and $50,000 total per accident and $15,000 property damage to others.  This means if you are determined to be at fault in an accident and hurt someone else, insurance will pay $25,000 for injuries to one person and total of $50,000 for all injuries.  Any medical bills or damage to another driver/ passenger or their vehicle above these limits your responsibility to pay.  Since many of today’s cars have values over $15,000, the likelihood that this coverage would be sufficient in an accident is slim.  Additionally, if others are injured during the accident the Arizona state minimum coverage may be insufficient because often times the cost of an ambulance, hospital visit/ stay, surgery and after-care will far exceed $25,000 per person and $50,000 total per accident. 

Maintaining proper limits (higher than the state minimum) also set you up to have better rates in your future. Insurance carriers look favorably upon drivers who have carried proper limits and they rate the cost of their policies accordingly.

Arizona Auto Insurance Rating Factors

What affects your insurance rates?

Below are the facts about what insurance companies use to determine rates for insureds. 

  • Type of vehicle - car, truck, convertible, motor home etc. Engine size, safety features, cost of repairs and frequency and severity of loss associated with the vehicle can all be a factor for rating.

  • Past Insurance History - your previous insurance history is a big factor in determining your present insurance rates.  Insurance companies will give favorable rates to those who have been with their previous insurance carrier for a long time (without lapses) and those who have maintained higher limits in the past. Sticking with a standard insurance carrier (as opposed to a non-standard carrier is also looked at favorably.

  • Driving History - your driving record or motor vehicle report have a direct impact on your rates. Past claims are also a big factor.  All companies look back 3 to 5 years for claims, accidents and tickets.  Once a claim and/or violation is over 5 years it is not a factor in rating.

  • Age - all insurance companies use age as a rating factor. Drivers who are under 25, and over 65 can have higher rates because statistically speaking, these age groups have shown to have increased frequency and severity of accidents. 

  • Credit - in Arizona (and most other states), credit is used for insurance scoring. The better your credit, the lower your rates.  In some cases, the difference in rates between a driver with good credit and a driver with poor credit can be 50% based solely upon that factor.

  • Household - insurance companies rate their policies based upon the driving records, ages and vehicles in the whole household.  If there are household members with tickets, accidents or youthful drivers (under 25), this will affect rates for the entire household.


Coriano Insurance Agency

4742 N 24th St

Suite 300A
Phoenix, AZ 85016


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