How Does Car Insurance Work? | Gilbert, AZ Ford Dealer

Image of a man with a tie sitting at a table with a manilla folder and a red toy car.

Buying a car for the first time is an exciting experience. But remember that car ownership means car insurance. At San Tan Ford, our team is happy to answer any questions you may have about insurance for your new 2019 Ford Focus or 2019 Ford Escape. We also have a Ford finance center on site that can assist you throughout the purchasing process. So how does car insurance work, and why is it so important?

What is Auto Insurance, and Why Do You Need It?

Auto insurance is a legal requirement to drive in any U.S. state. In the event that an accident occurs, whether on your own or with another driver, it will be incredibly expensive to repair the damage and potentially deal with the medical bills. Insurance protects you against these costs if an accident or incident occurs. Without insurance, you’d have no safety net when the time comes.

It may seem frustrating to have to pay insurance bills every month, but you’ll be much better off down the road with solid protection in place. Get in touch with our Ford dealership in Arizona to learn more.

Insurance Coverage Options

There are several types of car insurance you should be aware of when you start shopping:

Liability insurance: covers damages to the other driver or if you’re at fault in an accident.
Comprehensive coverage: covers damage to your vehicle after an accident that isn’t a collision (for example, if a tree falls on your car).
Collision coverage: covers damage to your car after a traffic accident.
Uninsured/underinsured motorist bodily injury and property damage coverage: covers your expenses and damages to your property if you’ve been in an accident where the person at fault doesn’t have insurance (or enough insurance)
Medical expenses coverage: covers the medical expenses of you and your passengers (if applicable), even if you were at fault.

Making sure you have sufficient insurance coverage is important. Our Phoenix Ford dealers are available if you have any questions about insurance or financing, so get in touch with us today. We also have a packed dealership with many new Ford cars to test drive.

Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license charges. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week.