Hit the road
with confidence.
Bring peace of mind wherever the next adventure takes you.
Protect what moves you forward (and backwards)
Quote auto coverage from 25+ trusted insurance carriers. Because shopping for insurance should be as easy as shopping for groceries.
Not sure where to start?
Our team of agents will walk you through the insurance process and carefully guide you each step of the way.
More ways to protect the things you own
Manage your policy anytime, anywhere.
Get ID cards, submit change requests, and upload policy documents by visiting our Client Center.
Frequently Asked Questions
1. What is liability, comprehensive, and collision coverage?
Collision coverage covers damage to your car only when you’re involved in an accident.
Comprehensive coverage covers damage to your car caused by something other than a collision.
Damage to someone else’s vehicle or their medical expenses are covered only through liability (property or bodily injury) coverage.
2. What is state minimum liability?
The minimum liability limit mandated by the state of Arizona is 25/50/15.
- 25/50/15: $25,000 bodily injury per person
- 25/50/15: $50,000 bodily injury per accident
- 25/50/15: $15,000 property damage per accident
3. What does it mean to have full coverage?
‘Full Coverage’ means that your policy includes physical damage coverage (collision and comprehensive) and liability insurance.
4. My car is sitting in storage. Do I still need insurance?
Yes, Arizona requires all vehicles carry state minimum liability coverage unless the vehicle has been de-registered with the state MVD.
5. What is Actual Cash Value (ACV) and Replacement Cost?
ACV (Actual Cash Value) and Replacement Cost are two ways that insurance carriers use to determine a loss settlement valuation, or the amount an insured is to claim in the event of a covered loss.
ACV represents the depreciated value of an item, used by insurers to determine compensation after loss or damage. ACV is calculated by subtracting depreciation from the replacement cost of a vehicle at the time of loss.
Replacement Cost refers to the amount that’s needed to replace an asset at the current market price, commonly used by businesses and insurers to assess coverage and asset management. Replacement Cost is an amount that a company pays to replace an essential asset that is priced at the same or equal value.
6. How can I lower my auto premium?
Most insurance carriers will offer applicants discounts for meeting certain criteria. The most common discount is a multi-policy discount, which incentivizes insureds to bundle their policies under the same insurer.
Discounts can include:
- Claims Free Discounts
- Good Student Discounts
- Driver Monitoring Enrollment
- Paperless Billing
- Pay-in-Full Discounts
- New Vehicle / Multiple Vehicles
7. How do I shop my auto policy?
Email or call the Waltenburg Insurance Agency office at any point throughout your policy term and we’ll start shopping quotes in the order it’s received.
8. Can I make changes to my policy while in-force?
Absolutely! Contact the Waltenburg Insurance team at any point throughout your policy term to make changes. You can also submit change requests by visiting our Client Center.
9. Does insurance cover my vehicle while in Mexico?
No, policy coverage does not extend to Mexico. Tourists visiting Mexico should acquire the appropriate car insurance prior to leaving the United States. For Mexico auto quotes, click here.
10. Does my auto policy coverage extend to rental cars?
Yes! Your car insurance coverage extends to rental cars while on vacation.