Arizona Insurance Companies

Phoenix - Tucson - Flagstaff - Yuma - Sedona - Prescott - Payson - Show Low - Pinetop - Heber - Oro Valley - Kingman - Lake Havasu - Wickenburg - Mesa - Tempe - Chandler - Gilbert - Peoria - Glendale - Scottsdale - Cave Creek - Carefree - Fountain Hills

A compilation of Arizona Insurance companies and Insurance agents providing coverage for Life, Auto, Motorcycle, Homeowner, Renter's, Flood, Fire, Health, Commercial and more! Property insurance, disability insurance, pretty much any type of insurance coverage you might need.

Karla Krake Childers of Insurance For Arizona Insurance For Arizona office is located in Scottsdale's Kierland business center
Contact Karla Karla Krake Childers - Account Executive - Agent
Contact Karla on Karla Krake Childers on Linked InLinkedIn
14811 N Kierland Blvd Suite 200
Scottsdale AZ 85254
Ofc: 480-998-5441 fax: 480-998-5406
Auto, RVs, Motorcycles, Boats - Home, Renters, Flood - Business - Life - Health - Insurance For Arizona

Robert Kerns American Family Insurance in Phoenix AZ American Family Insurance
3509 E Shea Blvd Ste 109
Phoenix AZ 85028
(602) 274-1177
American Family Insurance in Phoenix AZ
Robert Kerns Contact Robert (602) 274-1177
Auto - Home - Umbrella - Health - Life - Retirement - Business - Farm & Ranch Insurance

Steven Martz of AZ Insurance Team in Tempe Arizona Charlotte Burr of AZ Insurance Team in Tempe Arizona AZ Insurance Team
430 W Warner Rd #108
Tempe, AZ 85284
(480) 535-5709
AZ Insurance Team of Arizona
Steve Martz & Charlotte Burr (480) 535-5709
Auto - Home - Flood - Motorcycles - Toys (ATVs, boats, motor homes, golf carts)
Health & Dental - Life - Disability - Commercial - *Mexico

Beatriz Parada Bohon - Allstate Insurance agent in Tucson AZ Allstate Insurance Agency
5433 S 12th Ave #1
Tucson, AZ 85706
(520) 207-0107
Allstate Insurance Agent in Tucson AZ
Beatriz Parada-Bohon (520) 207-0107
Auto, Home, Life, Business, Motorcycle, RV, Renters, ATV, Condominium, MotorHome, Trailer, Mexico.
If you are an insurance agent or an insurance company in Arizona and you would like to be listed on this website, please email us with your information and we'll contact you about including you here.
There is currently no charge to be listed here.

What is insurance?
The definition of insurance is an equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. source - Wikipedia.

Types of insurance
Auto insurance protect the policyholder against financial loss in the event of an incident involving a vehicle they own.
Gap insurance covers the excess amount on your auto loan when your auto insurance reimbursement from a claim does not cover the entire loan owed.
Health insurance covers the cost of medical treatments.
Dental insurance protects policyholders for dental costs. Health and Dental insurance are often part of an employee's benefits package, and sometimes subsidized by the employer.
Accident, sickness, or disability insurance provide financial support in the event a policyholder is unable to work due to illness or injury. This includes Worker's compensation.
Casualty insurance insures against accidents, not necessarily tied to a specific property.
Life insurance pays a monetary benefit to a designated beneficiary should the insured individual become deceased.
Property insurance protects against risks from fire, theft, or weather damage. Includes flood insurance, earthquake insurance, volcano insurance, home insurance, renter's insurance, landlord insurance, inland marine insurance, aviation insurance (aircraft), terrorism, and more.
Liability insurance covers legal claims against the insured. This type includes professional occupation policyholders for public liability, environmental liabilities, errors and omissions (E&O), prize indemnity, and professional liability.
Credit insurance repays some or all of a policy holder's credit obligations due to unemployment, disability, or death. Mortgage insurance is an example.

For even greater detail please visit the source of this information at Wikipedia.

Lower Your Insurance Rates by Improving Your Credit Score

The tactics insurers use to determine premiums are often puzzling. Age, income level and even gender are used as risk assessment tools to ascertain how much consumers are likely to cost their insurers. The riskier the client, the higher the premiums will be. The factors that determine risk are far reaching, so having a comprehensive understanding of how your risk profile is analyzed may give you the upper hand you need to decrease premiums.

While youth and gender carry different risk profiles for car and medical insurance, there is little that can be done to change those aspects, but pay as you drive policies may be a worthwhile way to overcome them if you fall within high risk categories. There are facets that are far simpler to control. Omitting unnecessary deductibles and comparison shopping for discounts are useful but limited. For those motivated to make a profound impact on their premiums, one of the most dramatic techniques entails improving credit scores. Insurers use financial history to assess how reliably payments will be made, how responsible the potential client will be with the insured asset and how likely damages and accidents will be. Currently, vehicle and housing insurance use credit scores to arrive at a premium, but in the future, records may be grounds to deny insurance entirely. As yet, the health insurance business does not openly use financial history as a determinant, but it may do so in the near future.

Making improvements to credit scores is not as straightforward as many would have it. Paying off and closing accounts does not, for example, increase scores in all cases. For some, a long-held and well-maintained account with debt attached increases the score to more desirable levels because of the reputation it lends its bearer. The most basic way to instantly increase credit scores is by ensuring that fact checking is thoroughly done, since errors in salary, work and rental history can result in severe penalties. Mistakes are common enough to make annual referencing a necessity. While fixing simple errors can be an efficient move for those without a lengthy monetary history, those with records clogged with payment defaults will need to act more dramatically.

The single most powerful way to improve a credit report is by simply and honestly maintaining timely payments. The simple act of setting up timed debit orders creates a solid safety net for those who receive salaries on a predetermined monthly cycle. Defaulting on timed payments not only harms credit scores, but it also comes at a financial cost. Incidental credit is expensive and even those with overdraft facilities need to pay for it. Those who receive incomes according to unpredictable schedules can back their payments up by creating a buffer amount to handle monthly debit orders.

Few consumers understand how drastically a single missed payment can affect their scores. With student loans, even one payment default can be devastating on credit history. Another little-known detractor is frequent applications for different lines of credit within a short space of time. When several creditors request reports within a small time frame, scores are penalized only if the applications are for multiple purposes. Shopping for several mortgages, for example, will not result in a lower score, but applying for car loans, mortgages and credit cards in a single week has negative consequences. Maintaining a trustworthy record according to these red flags will, at a minimum, prevent sudden unnecessary drops in score.

If you need advice, guides consumers in building a new score afresh when debt has become unmanageable. Those with severely damaged scores need to build a long term record of credit, yet they are seldom in a position to successfully attain accounts. To overcome this, security can be used to gain approval. Credit cards that make use of collateral have their own positive impact. Often, starting to build a new history is the fastest way to regain your low risk profile.

If you are an insurance agent or an insurance company in Arizona and you would like to be listed on this website, please email us with your information and we'll contact you about including you here. If you are already on this website but need your information updated, please contact us and we will work with you to make your listing accurate, and satisfactory to you. There is no charge to be listed here. This website is meant to be a courtesy and quick reference guide for consumers shopping for personal insurance coverage. As an Arizona real estate agent, I am frequently asked by clients moving here where can they find a local insurance agent to get their homeowner's insurance or renter's insurance through. That's why I started this website: to give them options.
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