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Farmers Insurance - Kristin Elves
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Farmers Insurance - Kristin Elves
Contact Us
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Auto Insurance in Glendale, AZ

Auto Insurance coverages explained

  1. Bodily-injury liability insurance is mandatory in all states. The exceptions or workarounds are -
    1. New Hampshire (personal responsibility requirement by owner/driver)
    2. Virginia (uninsured motorist fee)
    3. Mississippi (motorists can post bonds)
  2. So, at the very minimum all drivers must have bodily-injury liability insurance or some form of protection for damages to the drivers of the vehicles involved, their passengers and even pedestrians.
  3. Our auto insurance experts have helped many folks in the Glendale, AZ and surrounding areas. Get in touch, we can help you too.

What auto insurance coverages follow the driver and what coverages follow the vehicle?
  1. You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general –
    1. Liability insurance follows the driver to any eligible vehicle driven by the insured.
    2. Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle.
    3. Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages.
  2. To learn more from our experts in the Glendale, AZ and surrounding areas, get in touch with us.

How to get discounts and/or reduce your auto insurance bill?

  1. At Farmers Insurance - Kristin Elves, our agents are always trying to help our clients get more value and better deals on their auto insurance and frankly, any insurance policies they write through us.
  2. Some key methods to reducing your insurance bills are –
    1. Bundle insurance policies.
    2. Good driver discounts
    3. Improve your credit score.
    4. Get a car that has a higher safety rating
    5. Don’t make insurance claims unless you absolutely have to.

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