Arizona Insurance

Their seems to be a misconception on insurance nowadays that I believe we should clear up. When I am helping a new client for the first time, I ask "Whats type of insurance would you like?" more often than not the client will respond "Oh, whatever the police wants." or "The one for the cops." First, let me say yes, liability insurance will keep the police from issuing a ticket or towing your vehicle, but the insurance is not to benefit the police, it's for YOU to use. The right coverage will protect others, your family, and yourself in case of an accident weather you're at fault or not. The right amount of liability coverage will protect you in case you are ever at fault in an accident, it will prevent the other party from going after you directly. So many times I have heard of people getting sued and losing money and even assets since they either didn't have insurance or didn't have enough insurance. You do not want to find yourself in a situation like this. Also remember that although the liability just covers others in case you hit them, you can also have coverage for yourself and your passengers! With the un-insured and under-insured coverages, you will have medical coverage for passengers and yourself in case the driver at fault and say, they don't have insurance, leave the scene of the accident (Hit and Run) or even if their insurance isn't sufficient to cover the losses. Here at Oasis insurance, our main priority is You, not the police, not the MVD, not even Sheriff Joe. We want to make sure that you are properly taken care of and all of your needs are met. Be sure to ask about these coverages the next time you speak to an agent, we are happy to help.

Andrew Ferman

Oasis Insurance

Customer Apprciation

Customer appreciation days are done just to say thanks to our clients. We usually have one per month in different offices through out the valley. We cook up hot dogs, sodas ,chips, and snow cones. Also lots of goodies like pens, key chains and insurance information. You can always log on to our website and the location and times for that month should show. Or call us! For the month of September we will be having one in our office located in El Mirage, AZ 11922 W Thunderbird from 11AM-4PM. Stop by bring your family, friends and neighbors . Have them bring their auto/home insurance documents so we can save them money as well. 

Ivan Martinez

Comp and Collision

Comprehensive Coverage covers your vehicle in the event of damage or
loss from something other than a collision. This includes theft,
vandalism, nature, animals. Just like Collision insurance, it is not
required by law. Normally if you have a loan or are leasing a vehicle,
finance companies do require you carry comprehensive and collision.

--
Mario Lopez
Oasis Insurance
4450 E Mcdowell Rd ste 115
Phoenix, Az. 85008
Office 602-266-3200
Fax 602-266-3205

Um/Uim insurance in Arizona

Uninsured & Underinsured Motorist Coverage

Uninsured and Underinsured motorist coverage is such an important coverage to have, especially in Arizona. Unfortunately there are too many drivers who don't have insurance. For a low cost in many cases, you can make sure you and your passenger's medical costs are covered in case you're involved in accident with someone who doesn't have insurance or may but not enough coverage for your medical costs.

Not only does Uninsured and Underinsured motorist coverage cover you and your passengers medical, it can also cover lost wages if due to the injuries you sustained in accident; or cover you while driving other vehicles or riding as a passenger. 

Classic Car Insurance Arizona

Do you have an old classic car in collectible condition? Here at Oasis
Insurance we offer coverage for Classics, Antiques, Street Rods, and
Exotics. There are very few Requirements to qualify your vehicle for
this type of coverage, a few would be vehicle not to be used for daily
transportation and must be garaged, limited annual miles, colored
photo's, have a regular use auto policy and possible antique plates.
To find out more information on Classic Car Insurance, please call any
of our Oasis Insurance locations and speak to a friendly licensed agent.

--
Thank you.

Corina Gonzales
Office Manager

Oasis Insurance
7510 W Thomas Rd Ste 106
Phoenix, AZ 85033
Ph: 623-245-0477
Fax:623-245-0480

Arizona Insurance Law

New Arizona Insurance Law

was effective October 1, 2009

 

It is Mandatory & Stronger Motor Vehicle Department Enforcement

 - You don't want to get caught driving without Auto Insurance.

 - Do not drive without Auto Insurance protect yourself  / protect others.

 

                                  WHY???

Court fines & Large surcharge State fines

 - 1st Time Violation... $500 fine... plus state surcharge

 - 2nd Time Violation... $750 fine... plus state surcharge

 - 3rd Time Violation... $1000 fine... plus state surcharge... plus SR22 Filing

 

So, if you currently do not have Auto Insurance pick up that phone and give us a call here at Oasis Insurance and let one of our knowledgeable and friendly insurance agents give you a free quote.

 

 

Alfredo Ramirez

Office Manager

Oasis Insurance Save Money in Arizona on your Insurance

Tired of brown-bagging your lunch? Sick of staying home for vacation? One easy way to make the most of your money is to take a look at your car insurance policy. Auto Insurance represents a significant annual expense to most people and these tips could save you hundreds, maybe thousands of dollars yearly.

Don't put it off..

Auto Insurance rates go up and down- by hundreds of dollars a year. Which is why you should call Oasis Insurance to compare your rates. At Oasis we work with over 30 companies and we guarantee we will always give you the cheapest rate. So at Oasis we recommend you compare your rates if the following events happen in your life…

• *Your premium goes up.

• *You're unhappy with your service.

• *You buy a new vehicle.

• *You move to a new address.

• *Your marital status changes.

• *You add a new driver to your policy.

• *Your assets increase.

Be Ready

Getting a quote for car insurance is easy. In fact, you can get a quote at Oasis in less then 10 minutes over the phone at 623-848-4640. Before you call us make sure you have the following information for your auto quote…

• Your current declaration page

• Year, make and model or your VIN for every car you want to quote.

• Value of any after market equipment you want to insure

• Name, date of births, tickets/accidents in last 3 years, occupation for all drivers to be quoted.

Make sure you're getting what you need

Before you get started, take a look at your current auto policy and make sure it's giving you the level of protection you want and need. At Oasis we make sure that the coverage we quote you with is exactly what you want and need and won't try to sell you anything else. We pride ourselves to service the client's needs not ours. So for a quick quote call us at Oasis at 623-848-4640 or visit us at OasisInsurance.com.

Arizona Home Owner's insurance

So many homeowners don't realize that a standard homeonwers policies
almost
always exclude damage from flood.

Homeowners without flood insurance policies generally have to pay for
all
repair costs out of pocket.

If you are at risk from a flood, you absolutely have to buy flood
insurancepolicy to make sure you are protected.
Flood insurance is required if you live in a flood zone are and have a
federally backed mortgage. Floods can happen to anyone, and its also
affordable.

If you are interested in learning more about homeowners and flood
insurance
give Oasis Insurance a call.

We appreciate your business.

Aurora Encinas
Agent
405 E Wetmore #G115
Tucson, AZ 85705
Phone: 520-888-500
Fax: 520-888-5566

Insurance Payment Options

Here at Oasis Insurance we offer over 35 different Auto Insurance
carriers and most of our companies will offer a payment play of
electronic fund transfer better known as EFT. Why its beneficial to
have this payment plan? One reason is most of the time your billing
fee's are cut in half therefore makes it less expensive on the monthly
payment and some companies even offer a discount on top of dropping
billing fee's.The reason for charging less on billing fee's is not
having to send you an invoice every month by mail. Another reason
would be to avoid late payments and late fee's, as long as the funds
are in the account the day of drafting your payment will always be
there on time. Most customers on EFT would agree its convenient not to
have to call in, come in or mail payment every month and as fast as
our day's/ months go by who doesn't want to make things more
convenient! One thing you do need to be aware of is if you change your
account information or you do not wish for the company to no longer
automatically withdrawl the next payment, most companies will require
as little as 7 days or as much as 30 days advance notice to stop a
draft from occuring to give time from our oasis office to your
insurance carrier and to the bank. So if your looking at saving as
much as possible, consider setting your insurance payment up on on the
EFT plan.Come see an Oasis Insurance Agent at 7510 W Thomas Rd ste
106. We are here to help you!!! Saving every penny counts!!

Corina Gonzales
Office Manger
7510 W Thomas Rd #106
Phoenix, AZ 85033

DUI

According to strict ARIZONA DUI LAWS, you could be fined as much as
$150,000, spend more than 10 years in prison and lose your license for
3 years if you are convicted of a felony ARIZONA DUI.
First time offenders are not off the hook though. Even if this is your
first DUI offense, you may have to pay fines and spend time behind
bars as well.
You could lose your license right away after your drunk driving
arrest. In fact, you only have 15 days from the date of your arrest to
request a MVD hearing. If you don't make this request on time, your
license will be suspended.

In your criminal case, your ARIZONA DUI can be prosecuted in one of
two ways: either by one's driving ability being impaired to the
slightest degree as the result of consuming alcohol (or other drugs),
or by violating the "PER SE" law, and having a blood alcohol level of
.08% or greater within two hours of driving. That means the
prosecution only has to prove that you were either over the legal
limit, or that your driving was impaired by alcohol.

Uninsured and Underinsured Motorist coverage um/uim

One the most important things I have learned in my experience as an insurance agent is that explaining coverages is very important most clients do not have knowledge of what coverages mean or what they cover.  For example one of the  coverages I find most that is not understandable to many is UM/UIM. I have found that many clients think that if they purchase UM/UIM coverage it will cover their vehicle in case of an accident. A good selling tool when trying to offer UM/UIM is let the client know that this is one coverage that they can purchase to protect their bodily injury unlike liability is a coverage that is required by the state and is coverage that only covers bodily injury and property damage for the other person. 

 

Also I have learned to be very careful when someone says they want full coverage, when you start asking about Medical, Glass, Rental, Towing etc. they assume all this is automatically included. They do not understand these coverages are optional for an additional premium. So by not offering or explaining this to them and a claim arises they assume they have coverage.

 

Rosemary Vera, Agent

Oasis Insurance Tucson

Buckle Up

The other day I was driving along and stopped at a stop light over to
my left was a child about 10 years old in the front seat with no seat
belt on and her window was down i rolled my window down and asked her
to put her seat belt on and she smiled and put it on. I wonder what
the person in the drivers seat was thinking, but if I had been a
police she probably would have received a huge fine for no seat belt
and especially on a child. Oasis agents explain to our clients
,friends and family how important it is to carry insurance and to
please buckle up.

Do I really need car Insurance?

Yes, you do. Now there are a couple of reasons why you do need auto
insurance. First of all it's the law. Its not fun having to look over
your shoulder every time you see a cop and hoping you wont get stopped
because you don't have car insurance. And there seem to be a lot more
cops here in Mesa. Also, if you do get stopped for no insurance, not
only can you get fines, but you may also get your car impounded, or
even have to get an SR-22 for three years!
I have had so many customers come in needing an SR-22, just because
they didn't have Arizona auto insurance at one point in time on their
car. An SR-22 is a filing for the state which lets Motor Vehicle know
when you maintain current liability insurance. Now some customers have
sold the vehicle that they needed to get the SR-22 for, but because
they are required to have an SR-22 for a certain amount of time they
still need the filing. Usually they have to buy a non-owners policy to
obtain the SR-22. So because they did not have liability insurance on
their car for a small amount of time, they are dealing with the
consequences a year later, even though they no longer own that vehicle!
Also in case you get into a car accident and it's your fault, do you
really want to be responsible for thousands of dollars in damages for
another car. For a small price a month you can get your car insured
and not have to worry about this. Now we know the economy is hurting,
but here at Oasis Insurance we try to get you the insurance you need
at a price you can afford. Give us a call at any of our offices in the
Valley. We have offices located in Mesa, Phoenix, and Tucson. It only
takes a couple of minutes to give you an insurance price quote and get
you driving with peace of mind.

DUI and Sr-22

Dui's and insurance bad mix. When you get a DUI most insurance
company's will be charging you more on premium to cover you. Insurance
companies will be checking your driving record to check to see the
type of risk they are going to be insuring. Most of the time when you
get a DUI that state will require you a an SR-22 to reinstate your
drivers license. You need to maintain your insurance active because of
your SR-22. Keep your driving record clean and your insurance premium
will always be less. NO DUI's. Thanks.

--
Mario Lopez
Oasis Insurance
4450 E Mcdowell Rd ste 115
Phoenix, Az. 85008
Office 602-266-3200
Fax 602-266-3205

Commercial Insurance

If you use your vehicle to go from point A (your residence) to point B and then to point C, you need to get a commercial policy.  Why?  you might ask.  Well, this means that you are selling, delivering or doing jobs such as landscaping, house cleaning, selling avon, or just being your own boss, etc.

 

In other words, you are not only going from your house to your job and back.  Commercial policies are not more expensive then regular personal policies.  It is just about having the right insurance policy for the right use of your vehicle.  Do you know that your insurance company might not pay for the damages you cause or damages caused to you just because you do not have the proper insurance policy? 

 

Well, if you own your business, give us a call and we can get you a commercial quote for almost the same price you are paying for a personal policy.

 

Email, call or visit us at mrrod@oasisinsurance.com - 753 S Alma School Rd - Mesa, Az 85210-  480-733-2682

 

MARIA RIOS-RODRIGUEZ

Assistant Manager

Alma School office

Insurance - Times are tough

Times are tough, we hear it everyday! What if we told you that we can
save you money?
Most people don't realize that packaging your policies together will
save you money and convenience. How? That is a good question but
you've come to the right place! If we have the chance to provide you
with a homeowners policy, you can save a few hundred by switching your
auto policy to us as well, and that is just the beginning! It is also
convenient having all your policies in one place.
We can carry the following products
Home
Auto
Motorcycle
Business
Boat
Health Insurance

This alone can save you hundreds of dollars a year. Why wait?? Call us
today and never shop for insurance again. Insurance can be a
beautiful thing! We are located in Mesa, Az.

Customer service

We at Oasis Insurance focus on product, image and service. We have great products in order to offer our customers what they need. Thats what we have here at Oasis Insurance different products for different types of customer. With the variety of companies we will find the right product for you. It is important to have great image, office, employees. You will find that we have organized offices, employees and a great organization. Service is one of those things that we as an organization have to take the most serious of all and we do. If you have the greatest product out there, you will have customer. If you have the greatest image, best looking furniture, best looking offices, best looking everything, you will have customer. If you have bad customer service, most of the time it doesn't matter if you have best image and best product. You will loss customers. Customer Service is what will keep companies and organizations going. We at Oasis Insurance take customer service very serious for it is customer service why we get referral after referral. Our customer service is what is keeping us growing year after year and will continue to grow because that is what we do service service service. Thanks

 

Mario Lopez

Oasis Insurance Mcdowell Office 

Customer appreciation

Customer appreciation days are done just to say thanks to our clients. We usually have one per month in different offices through out the valley. We cook up hot dogs, sodas ,chips, and snow cones. Also lots of goodies like pens, key chains and insurance information. You can always log on to our website and the location and times for that month should show. Or call us! For the month of September we will be having one in our office located in El Mirage, AZ 11922 W Thunderbird from 11AM-4PM. Stop by bring your family, friends and neighbors . Have them bring their auto/home insurance documents so we can save them money as well

Comp and Collision coverages

Comprehensive Coverage covers your vehicle in the event of damage or
loss from something other than a collision. This includes theft,
vandalism, nature, animals. Just like Collision insurance, it is not
required by law. Normally if you have a loan or are leasing a vehicle,
finance companies do require you carry comprehensive and collision.

--
Mario Lopez
Oasis Insurance
4450 E Mcdowell Rd ste 115
Phoenix, Az. 85008

Buckle Up

The other day I was driving along and stopped at a stop light over to
my left was a child about 10 years old in the front seat with no seat
belt on and her window was down i rolled my window down and asked her
to put her seat belt on and she smiled and put it on. I wonder what
the person in the drivers seat was thinking, but if I had been a
police she probably would have received a huge fine for no seat belt
and especially on a child. Oasis agents explain to our
clients ,friends and family how important it is to carry insurance and
to please buckle up.

Oasis Insurance
30 N Gilbert Rd
Mesa, Az 85203

Commercial Vehicle Insurance

Commercial Vehicle Insurance

Oasis insurance offers business auto insurance through a variety of commercial company's. Business auto insurance provides comprehensive coverage against damage or liability claims involving a business vehicle, whether you have a small operations or a fleet. If your business depends on vehicles, Oasis Insurance offers business auto insurance that can meet your needs.

Who or what it covers

Business auto insurance can provide coverage for a wide variety such as delivery vans, refrigerated vehicles, tractor trailer, utility trucks and private passenger vehicles used in many types of businesses, including landscapers, contractors, real state, janitorial, retail and more.

Coverage options:

• Liability

• Medical Payments Coverage

• Personal Injury Protection

• Comprehensive

• Collision

• Emergency Road Service

• Rental and Travel Expenses

• Uninsured Motor Vehicle

• Underinsured Motor Vehicle

Come and visit us at the nearest location to you. Give us a call, don't waste time! Get your insurance at Oasis Insurance where we give the best rates and more money in your pocket.

-Your agents @ Greenway and 32^nd St Location. 

The Best Price for Renter's Insurance

You may not own the place you live in, but you still need insurance protection.

Oasis Insurance offers renters insurance through credited insurance companies that give customers the best rate in town today.

You may ask yourself why I need renters insurance if I don't own my place.

Well come to know renters insurance is for anyone who rents a home, be it a house or apartment. Renters insurance can protect your personal property against fire, theft and vandalism. It not only provides coverage for everyday necessities like furniture and clothes but it also helps protect theft-prone valuables like your laptop and bike- wherever you take it.

Through one of our credited insurance companies we can replace personal belongings at replacement value- not the depreciated value.

Renters insurance can help protect you in case of liability lawsuit against you. This could occur in a situation where you are held responsible for:

• Injury to another person

• Damage to another person's property

You may be eligible for premium discounts on both renters and auto insurance when you purchase both policies from Oasis Insurance. Only available in Arizona.

Oasis Insurance

3202 E Greenway Rd #1615

Phoenix, AZ 85032

Discount for Auto Insurance

At Oasis insurance we always make sure that we apply any discounts we can to your policy so that you are able to get the cheapest auto insurance and home owner insurance policy possible in Arizona.
Some of the discounts that you can receive are:
Multi Policy (combining auto and home or auto and renters)
Multi Car (more than one vehicle on one policy)
Prior insurance (more than 6 months of continuous coverage)
even your job may give you a discount.

You SHOULD be requoting your auto insurance policy every 6 months to see if your prior insurance discount can save you even more money. Some companies will give auto insurance discounts for continuous coverage up to as much as 5 years. So the longer you keep insurance the better the discount. That does not mean you have to have the same policy, just no lapse in coverage.

Buying a new car

Oasis Insurance works with over 100 auto dealers and car lots in Arizona. If you are shopping for a new car or a new too you car you can always stop by any of our 18 locations and we can give you a list of dealers that we work with that will give you some of the best deals you will find. We will even give you a discount on your insurance down payment for your new car. If you buy a car with someone that we do not work with, no problem. We will send someone out to meet you at the dealer or insure you by fax so you wont have to drive your new car uninsured. Call us to day! 480-649-8001 VALLEYWIDE in arizona or online at www.oasisinsurance.com and get up to 40 quotes at once! no obligation, no harassing phone calls!

Reaction to SB 1030 Amendment

I believe this will cause a serious decline in the number of insured’s in Arizona. My agency has 17 locations and we write over 2400 policies a month. A large percentage of our client’s come to Oasis because they were told they need an sr-22 or a non owner policy with an sr-22. By eliminating this requirement , the number of uninsured drivers will jump dramatically. The state of Arizona already has issues when it comes to no insurance violations. The Arizona Agents Alliance recently had a lobbyist assist them in trying to tighten up the holes in the no insurance laws but it apparently had no effect.

As of right now if a person gets a no insurance violation ticket they go to court and can show they just purchased insurance and have the fine dropped or lowered. They can even in many cases, “promise” to go buy insurance in the next 30 days and again the judge will dismiss or lower the fine. The law is written that on a second no insurance violation the fine is to be mandatory but the judge has no way of knowing it is their second or third violation.

These same violators continue to get no insurance tickets and the sr-22 was a great deterrent to stopping them. The state was notified much quicker and responded faster when they were notified that someone had their sr-22 canceled.

In my opinion Russell Pearce. who used to work for the Department of Motor Vehicles , is a major opponent of all things that the independent insurance agent believes in. He has worked tirelessly to root out all Hispanics in our community . He has worked to stop the Arizona Agents Alliance bill last year to help strengthen insurance regulations as well. If enforcement of the insurance laws was strengthened instead of relaxed the state would see a HUGE revenue increase from the fines. They would also see a huge increase in the number of insured motorists in Arizona.

Arizona is already facing huge budget deficits. This would actually lower state income with less insurance policies. It will also eventually cause an increase in uninsured motorists and then an increase in under and uninsured motorists insurance costs.

A fast 101 for auto insurance in Arizona

So we have lots of new young drivers in arizona every year and if you are one of them this article is for you. If you are in your mid 30s and you are moving out of your mamas house and for some reason till now you decided to take up driving, this article is still for you.
Congratulations, now you have your own car, but what’s next? Should I put those new shiny wheels or get that new blasting car stereo that connects to your phone via bluetooth?,
Yea if you are smiling and thinking “I do need a new stereo” keep reading, because if you don’t get insurance first those new shiny wheels or that new stereo is going to the tow yard. Yes, if you drive in the state of Arizona without insurance and the police pulls you over, your car is going to the tow yard. Believe me, it doesn’t work to tell the officer you’re sorry or that you didn’t know. I’m not even going to mention the fees they are going stick you with and what you’ll need to pay to get it out. plus you’ll need to prove that you have liability insurance, you might be asking,” What is that,? Why does the state make such a big deal about it? How do I get that?”. Well to get it, you have to step in a Oasis Insurance office, There are 17 locations Including Tucson Arizona to get covered.
Here is a quick explanation of what liability insurance is or better yet what it is not:
It will not cover your own vehicle damage at all. It will not cover theft of your vehicle. It will not cover yours and your friends medical expenses in case you had an accident… so what is this liability insurance then?
In case you are driving and you have an at fault accident this liability insurance will pay the damage caused to the other poor driver when you were trying to show off with your friends. It will only pay the damage to the other driver’s car and the bodily injury caused to the other driver and their passengers. You have two parts in your liability insurance:

First Bodily Injury: The minimum limit in the state of Arizona is 15,000 per person and 30,000 per occurrence. This means if there were 4 people in that car you hit the insurance will only pay up to 30,000 for the medical. This amount will have to be divided between all the passengers with a max limit of 15,000 per one person. It will not pay all 30,000 on one passenger.
Second part is the Property Damage: 10,000 This part is easy, The max limit the insurance will pay fir all property damage is10,000.
And that is Liability insurance. It only pays the other driver, not yourself. Other sections of your insurance policy can cover your medical expenses and damage to your car, but its a different section, If you want to know more about getting coverage for your medical expenses or damage to your own car, call Oasis insurance at 480 649 8001 and speak to an Agent today, We will be able to explain more on the different coverages you can get. Or visit us online and get a quick quote :with one click you will get up to 40 quotes: http://www.oasisinsurance.com

First Bodily Injury: The minimum limit in the state of Arizona is 15,000 per person and 30,000 per occurrence. This means if there were 4 people in that car you hit the insurance will only pay up to 30,000 for the medical. This amount will have to be divided between all the passengers with a max limit of 15,000 per one person. It will not pay all 30,000 on one passenger.
Second part is the Property Damage: 10,000 This part is easy, The max limit the insurance will pay fir all property damage is10,000.

Why Choose Oasis Insurance in Arizona

I always tell my customers that one of the biggest advantages of getting their insurance policies with Oasis Insurance is that we have the flexibility to shop around for them and compare rates with over 30 highly rated insurance companies, unlike companies like State Farm,Geico, Farmers, and Allstate to name a few. If you have an issue with them you are STUCK with them and you will have no one to defend you, unless you spend days on the phone trying to get through to a supervisor or hire an expensive lawyer . But with Oasis if you are unpleased with one of the carriers we can simply switch you to another carrier or we will step up to the plate for you until the problem gets fixed. Just last week I had a customer come in to complain about a bill he received due to an error that the carrier made, I quickly got a supervisor from the carrier on the phone and had her waive the charges since they were due to a company error. Here at Oasis we act as your personal representative and we treat all of our customers like family and friends. We deal with our customers the old fashioned way, face to face. But we do also offer the flexibility to make your payments over the phone or online with most of our carriers. All of our licensed agents are very friendly and very knowledgeable and we are constantly receiving training from our carriers to be up to date on the constant changes within the companies and in the insurance industry. Oasis Insurance is not only a great place to come meet all of your insurance needs at very affordable prices, it’s also a great place to come make a new friend that you can trust.

Your agents @ 75th location