AALL Insurance

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Welcome... Welcome to the website of Arizona's premier Independent Insurance Agency. Since 1983, AALL Insurance Group has helped countless consumers with their insurance needs. Our commitment to you is to provide superior service and products from the most competitive companies in the state.
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Need Auto Insurance? We Have The Program For You! Have Questions? We Have Answers!
Whatever your situation, with over 33 Auto Insurance Companies we have the program that's right for you. Simply complete the form on the following page and your Auto or Home Insurance Quote results will appear instantly. You can go back and change coverage options or vehicles to compare rates several different ways! This quote service is absolutely free!

What Determines Your Rate. There are several factors that are considered to calculate an Auto Insurance rate. The areas that effect your rate the most are:

Your Age - This is a major factor. Most companies will put you into groups that change when you turn: 18, 21, 25 & 30. Your rates almost always lower each time you enter a new age category.

Marital Status - Being legally married at 21 can often place you in the same category as a single person at age 30. Your marital status makes a significant difference in your rate.

Zip Code - Different parts of town have different risks and types of traffic. Most companies have 2 or 3 different rates depending on what part of town you live in.

Driving Record - Tickets are usually looked at for 3 years, after the 3 years most companies don't consider them. If you go to school on a traffic violation, most of these violations never make it to your driving record.

Credit Score - Some companies use credit scoring to determine your rate. With these companies, good credit scores usually lower your rate considerably while poor credit scores don't necessarily raise your rate, they are just not eligible for the lower programs.

Every agency offers the same price! Every Insurance Company in the State of Arizona has one set of rates per program and files them with the Department of Insurance. Each Insurance Agency that represents that particular company sells the same policy at the same price (this is the law). There are companies that focus on different types of risks, such as a certain age group or a certain zip code and lower their rates to win that type of business. The more companies you represent, the better chance you have of offering the program that best fits the situation. If you find we offer the same company you currently have, you can still benefit from our exceptional customer service by simply signing a Broker Change form and allowing our staff to service your existing policy.
Higher limits of liability. The minimum limits of liability currently required by the State of Arizona are "15/30 10". These numbers represent the maximum amount (in thousands) of dollars that your insurance policy will pay.

The second number (30) represents the maximum amount of coverage payable per accident with all people combined for bodily injury to others.

These limits may not be enough to cover all the injuries or damages that you cause in an accident. You can usually double the amount of coverage for just a few dollars more per month. Compare rates with different limits of coverage here.

All About SR-22's
In Arizona, an SR-22 is obtained by purchasing a policy that contains at least the state minimum limits for liability. A policy with an SR22 is exactly the same as one without, the difference is that once an Insurance Company has issued an SR-22, it is required to immediately notify the Motor Vehicle Department (MVD) whenever that policy cancels or that vehicle has been removed. This is a way for the MVD to "keep tabs" on whether or not someone has insurance. The MVD usually requires you to keep an SR-22, proving you have insurance for a period of 3 years. After that, you may not have to prove it but you still are required by law to have insurance.
What are the Causes. The two most common reasons the MVD will require an SR-22 are: you or your vehicle have tickets for no insurance or you had a major violation such as DWI, reckless driving, uninsured accident or you are reinstating a suspended license.
What are the Penalties. When a vehicle has excessive "no-insurance" tickets, the SR-22 is usually required for your registration and your registration will be suspended if you don't get and keep an SR-22. If you have major violations, the SR-22 is for your license and your license will be suspended if you don't get and keep an SR-22. It is important to know about these requirements ahead of time since a lapse in coverage may result in a suspension from DMV and usually require additional fees to reinstate.
Non-Owners SR-22. The state may require you to get an SR-22 to get your license reinstated. If you don't own a vehicle, you will have to purchase a non-owners policy in order to obtain an SR22. This type of policy will cover you on any vehicle that you drive but you do not own. This type of policy can be about 20% higher or 20% lower than a regular liability policy, depending on the company.
Costs. Depending on the company, adding an SR22 to your policy can be free or it can cost you an additional $10 or so 1 time or even cost you $15 or so additional each month that the SR22 is in effect. To compare rates, please go here.

Discounts are a very important part of getting the best possible price for your coverage. Different companies offer different types and different amounts of discounts. Some of the most common discounts are:

Safe Driver or Clean Driver - 5% to 20%. The usual requirement is ticket free and licensed for 3 years. A few companies will overlook 1 minor violation and still give you the discount.

Multi Vehicle - 10% to 25%. The only requirement is more than one vehicle on the policy. Because of the huge discount, sometimes a policy with 2 vehicles actually costs less than a policy with one...

Transfer Discount - 5% to 18%. The usual requirement is to show you as a driver on a previous 6 month policy that hasn't lapsed. Some companies will allow a lapse in coverage up to a week and others will even go up to 30 days. You may receive more of a discount for a year's worth of previous coverage.

Paid in Full - 5% to 20%. Simply pay the policy in full. In addition to this discount, you will save monthly installment fees. This can be considerable. Unfortunately, only a few companies offer this.

Renewal Discount - 3% to 20%. The requirement is to renew your policy on time. Some companies offer the discount every six months up to a maximum amount. Others offer the discount every year.

Credit Score - 5% to 50% difference. A great credit score will make you eligible for a better rate with many companies. Credit has been considered on of the most valuable pieces of information to determine the likelihood of a loss. If your score is good, your rate is good.

EFT - 2% to 10%. If you allow the company to automatically sweep your bank account (Electronic Funds Transfer) for the monthly payment, you can sometimes receive a small discount. Other companies may not offer the discount but will require a smaller down payment or waive the monthly billing fees.

Homeowners - 5% to 10%. If you own a home, most companies will offer a discount. The only requirement is the home must be in your name. There are additional discounts if you put your home policy together with your auto policy.

Combined Policy - 5% to 15%. Some companies will discount your auto if they have the home or vice versa. It is definitely worth the time to compare rates because you can save on both policies!

Birthdays - You don't get a discount on your birthday but you may be placed into a cheaper "category" or "tier". Your rate usually won't go down every year but it will when you move into a different category. Some breaking points are at the ages of: 19, 21, 25 & 30.

At AALL Insurance Group, our goal is to be familiar with and apply every discount that is available to our clients. We recognize that cost is a major factor in choosing the right policy and only the right Agent will provide the service you expect.

About Credit Scoring
Insurance companies have found a direct relationship between a person's credit score and the likelihood of an insurance claim. Because of this information, about half of the Insurance Companies in Arizona use your credit score to help determine the type of risk and the rate they will charge.
Some Companies have both programs. One that doesn't consider credit and one that does. When using our online rater, the system uses a default "good" credit score. Your real credit score isn't obtained unless you contact us and request it. On the credit scoring companies, your rate can be much lower or higher than the one that is displayed. On the non scoring companies, your rate is exact unless there are additional discounts that we can apply. Our agents are trained to be familiar with and seek out every possible discount.
At AALL Insurance Group we recognize the need to offer both types of products (credit and non-credit) to better serve all our clients. Regardless of your situation, we will have a program that fits your needs.

Paying Monthly. Different Insurance Carriers offer various payment programs. The general payment option on a 6 month Automobile policy is about 20% down with the balance paid over 5 monthly installments. Each installment usually carries a billing fee of 3 to 9 dollars depending on the company.
Last Month Free. Some payment programs have a down payment (usually 25%) and pay the balance with 4 monthly installments instead of 5. This means that you will not have a payment during your final month. The last month isn't free, you simply paid it ahead of time. The benefit from this method is since you have extra money built up because you are paying it ahead of time, a late payment wouldn't cancel the policy as soon.
Annual Policies. Not all companies offer annual policies but the normal down payment is 18% with the balance paid over 10 or 11 installments. The benefit of an annual policy is you only have one down payment per year and your rates are locked in. This may not be beneficial if something that may lower your rate (tickets drop off, birthday, etc.) will take place within the next 6 months.
Paid in Full. If a policy is paid in full, you will automatically save the billing fee of 3 to 9 dollars per payment that is charged by most carriers. This could be a considerable savings. In addition to avoiding the billing fees, some carriers offer a "paid in full" discount of 5 to 20 percent or more.
EFT. Electronic Funds Transfers are both convenient and wise. If you allow your Insurance Company to automatically sweep your bank account (Electronic Funds Transfer) for the monthly payment, you can sometimes receive a small discount. Other companies may not offer the discount but will require a smaller down payment or waive the monthly billing fees.
Check by Phone. Several carriers offer payment options over the phone including checks by phone. This will ensure your payment isn't delayed by mail. Some carriers have automated systems to pay 24 hours and others require you call during normal business hours. Some carriers charge a fee and others don't.
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A All Insurance Group - AALL Insurance Group provides policies with Gainsco, Access General, Progressive Drive, United Auto Insurance, Rio National, Primero Insurance and several other top companies. We have programs for Auto Insurance, Sr22 Insurance, Home Insurance, Commercial Business Insurance, Auto Dealer Bonds and much more. Quote here or use our friends in the business: Oasis Insurance, Ayala Insurance, Above all insurance, CityWide Insurance, First Choice Wide, Liberty, Allstate, State Farm, LA Insurance, Best Buy Insurance, Gieco, National, American Family Ranch Market and more.
Do you have questions like "why am I required to have an SR22?, how long do I need to keep an Sr-22?, what is the difference between SR22 insurance and regular insurance?. If so, please read more about Arizona State Requirement SR22 here.
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