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.
Saturday, July 24, 2010
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.
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.
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
Your agents @ 75th location
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