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Insurance Basics

At Access Auto Insurance, we know that car insurance is complicated. We want to help you understand what insurance is and why you need it. If you still have questions after reading this, please contact us — we’re here to help!

What is Auto Insurance?

Auto insurance protects you from financial loss if you are involved in an accident. When you purchase a policy from an insurance company, you agree to pay the premium, or cost of the coverage. In turn, the insurance company agrees to pay your losses as agreed to in your policy.

How Does Auto Insurance Work? »

We want you to understand why you need auto insurance. Once you understand why you need it, you may have questions about what kind of auto insurance you should purchase. Learn what Minimum Liability coverage is and decide if this is all the coverage you need.
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How Do I Purchase Auto Insurance?

Purchasing auto insurance from Access is simple. Our agents are friendly and ready to answer your questions. You choose how to buy — in person, online or by phone. You decide what coverage you need or want beyond what is legally required by the States of Arizona and Indiana. We offer easy payment plans, online payment and a cancel protection program for your convenience.

What Auto Insurance Coverages are Available? »

We offer many coverages in addition to Minimum Liability. These include Bodily Injury Liability, Property Damage Liability, Collision/Comprehensive, Medical Payments, Uninsured and Underinsured Motorist, Roadside Assistance and Rental Reimbursement. Read about these coverages before deciding if you should purchase them.
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