Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
In Arizona, drivers are required to carry auto insurance that meets the state's minimum liability limits. Those minimums are often not enough to fully protect your finances after a serious accident. We compare a growing list of carriers for you in one conversation and tell you, plainly, where your real gaps are.
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A growing list of carriers
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A local agent who picks up
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A car insurance policy is really five smaller promises bundled together. Some of them protect other people from you. Some of them protect your car. One of them protects you from the driver who did not buy any insurance at all. Knowing which is which is the difference between a policy that looks cheap and a policy that works.
Arizona requires every registered vehicle to carry liability coverage. Liability is the part that pays other people. It does nothing at all for your own car, which is why a state-minimum policy can leave you paying for your own repairs out of pocket while your insurer writes a check to somebody else.
Collision and comprehensive are the two coverages people mean when they say "full coverage." That phrase is not a real product and no carrier sells something called full coverage. It is shorthand for liability plus collision plus comprehensive, usually with uninsured motorist attached. If a lender holds a note on your car, they will require both.
Send us your current declarations page and we will walk it with you line by line: which of the five you actually have, which limits are thin for what you own, and where a higher deductible would buy back more premium than it costs you in risk.
At a glance
Auto insurance in Arizona
Required by law
Liability only. 25,000 / 50,000 / 15,000 minimum limits.
Usually required by a lender
Collision and comprehensive, for as long as there is a loan on the car.
Optional but worth asking about
Uninsured motorist, medical payments, rental reimbursement, roadside, gap.
Discounts named in this page
Bundling, clean record, multiple vehicles, defensive driving course.
Carriers we can quote for auto
Every carrier we are appointed with for auto, including Bristol West and National General for non-standard records.
Minimum limits verified against Arizona Revised Statutes 28-4009 for policies issued or renewed on or after 1 July 2020.
The five parts
This is the live language from your policy, in plain English. If your current agent has never walked you through these five, that is the conversation to have before you shop on price.
602-480-6453Auto
Declarations
Liability Coverage
Pays for injuries or property damage you may cause to others in an at-fault accident.
25,000 / 50,000 / 15,000
Arizona minimum
This is the part the state requires, and the part that gets tested hardest in a bad wreck.
Collision Coverage
Covers repair or replacement costs for your vehicle after a collision, regardless of fault.
Subject to your deductible, which is the lever most people can move.
Comprehensive Coverage
Protects against non-collision events such as theft, fire, vandalism, or hail damage.
In Arizona that also means monsoon debris, a cracked windshield off the 101, and flash-flood water.
Uninsured and Underinsured Motorist Coverage
Provides protection if you are hit by a driver without enough insurance.
Arizona has a real share of drivers carrying the bare minimum, and this is the coverage that stands in for theirs.
Medical Payments Coverage
Helps pay for medical expenses for you and your passengers after an accident, without waiting on a fault determination or a health insurance deductible.
Illustration of how a declarations page is laid out. Not a real policy.
The Arizona part
Arizona sets the legal floor at 25,000 dollars for injury to one person, 50,000 dollars for everyone hurt in one accident, and 15,000 dollars for the property you damage. Those figures were last raised on 1 July 2020, and they are written into Arizona Revised Statutes 28-4009.
Fifteen thousand dollars of property damage is the number worth sitting with. That is the whole budget for the other person's vehicle. A late-model pickup or a three-row SUV can pass that on its own, before anybody has been treated for anything. When the limit runs out, the claim does not stop; it comes to you.
We are not going to print a scary number here, because the honest answer is that nobody can tell you what a given accident will cost. What we can tell you, on a real quote, is how little it usually costs to move from the state floor to limits that would absorb a bad day. On most policies it is a smaller difference than people expect.
The left bar is the Arizona statutory floor for property damage. The right bar is drawn without a figure on purpose: the cost of a real claim depends on the vehicles, the injuries and the court, and we do not publish numbers we cannot source.
25,000
for injury to one person
50,000
for everyone hurt in one accident
15,000
for the property you damage
Arizona Revised Statutes 28-4009, for a policy issued or renewed on or after 1 July 2020.
Ask about these
Many drivers also qualify for auto insurance discounts. You may save by bundling your home and auto policies, maintaining a clean driving record, insuring multiple vehicles, or completing an approved defensive driving course.
01
Bundle home and auto
02
Clean driving record
03
Multiple vehicles
04
Defensive driving course
Which of these apply, and how much each is worth, depends on the carrier. Sorting that out carrier by carrier is our job, so you never have to guess.
The difference that matters
This is the whole argument for working with Shield of Faith, and it costs you nothing extra either way.
A captive agent
Represents a single insurance company and can only quote that company's rates.
When your renewal jumps, the only options are a higher deductible or less coverage.
Switching carriers means starting over with a stranger at a different agency.
The comparison shopping, if it happens at all, is yours to do.
Shield of Faith, independent
Puts your drivers and vehicles in front of many carriers at once.
When one carrier's rates jump, we reshop you at renewal without you having to ask.
Independent agents are paid by the carrier, so there is generally no extra cost to you.
One agent keeps your whole file: the auto, the house, the boat, the business.
We are an independent agency here in Peoria, which means no single insurance company signs our paychecks. When you call about your car, we put your drivers and vehicles in front of the carriers that fit your record and show you, in plain English, what each one would really do for you.
Our commitment to you
Personalized coverage reviews to ensure you're properly protected
Transparent, clear explanations of your options
Assistance in finding discounts and maximizing value
Local service with a deep understanding of Arizona insurance needs
The first thing we ask for is your current declarations page, not your budget. Almost every auto policy has two or three levers on it that nobody has touched in years: a deductible set at 250 dollars when 1,000 would be fine, a car still carrying collision that is not worth repairing, a driver listed who moved out in 2022, a defensive driving certificate that expired.
Then we look at the renewal date. Shopping mid-term is usually worse than shopping at renewal, and a carrier that is competitive this quarter may not be next. We will tell you when to move and when to sit still, which is the part a salesperson never says out loud.
If your record has a ticket, a lapse, or an accident on it, that is not a dead end here, and nobody is going to make you feel small about it. Bristol West and National General both write non-standard auto, and we can file an SR-22 for you the same way.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Excellent service. Saved me roughly $600.00 per year. Thanks Mena.
azsunnin · Google
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Every review above is quoted in full from Google or Facebook. Read all of them.
Does it cost more to use an independent insurance agent?
No. Independent agents are typically paid by the insurance carrier, not by the client, so there is generally no extra cost to work with an insurance broker near you. You get the carrier's rate plus the benefit of having a local agent compare options on your behalf.
How fast can I get a car insurance quote in Peoria?
Most quote requests are returned quickly once we have your basic information. Call 602-480-6453 and you will talk to a real person, not a call center, or send the 60-second form and someone on our team will follow up. For an auto quote we typically need your address, vehicle details, and driver information for everyone on the policy.
What does full coverage car insurance mean in Arizona?
Full coverage is not a product any carrier sells. It is shorthand for liability plus collision plus comprehensive, usually with uninsured motorist attached. If you have a loan or a lease on the vehicle, your lender almost certainly requires collision and comprehensive until the car is paid off.
Do you write SR-22 filings?
Yes. An SR-22 is a form your insurance company sends the state to show you carry the required liability coverage. We work with carriers that accept the filing, including non-owner policies for drivers without a car of their own, and we will help you plan the road back to standard rates.
Can I insure a teen driver without my premium doubling?
Adding a teenager will raise the premium, and no honest agent will tell you otherwise. What changes the size of that increase is the carrier, the car the teen is rated on, good-student status, and whether a defensive driving course is on file. Handing a teenager the keys is a proud and nervous moment, and the bill should not make it harder than it has to be. This is one of the clearest cases where comparing several carriers instead of one is worth the call.
Can I bundle my car insurance with my home or renters policy?
In many cases, yes, and it is usually the single largest discount on the page. Bundling also means one agent, one renewal conversation and one phone call when something happens. Ask us to quote both together and compare it against keeping them separate.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
Shield of Faith writes auto insurance in Peoria, AZ and across Glendale, Surprise and Sun City. Whether you are pricing cheap car insurance in Peoria, AZ against what you pay now, looking for full coverage car insurance in Arizona with limits that hold up, or you need high risk auto insurance in Arizona after a ticket or a lapse, we run car insurance quotes in Peoria, AZ across more than one company in a single call. Affordable car insurance in Arizona is usually a matter of finding the carrier that wants your particular record, and that is what an independent agency is for.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Send it over and we will tell you straight, even if the honest answer is that you should stay right where you are.
