Why should I go with Paul Royko and Associates? Low rates. Outstanding customer service. Twenty three years of insurance industry experience to help you with your policy and claims handling. We customize policies to each individual. When you call, you'll talk to a representative immediately, no phone trees. What deductible should I have on my home and auto policies? The higher the deductible the lower your premium. So, you should go with as high amount as you can afford or feel comfortable with, if a claim were to occur. If I get into an accident, will my rates go up? Allstate offers Accident Forgiveness to prevent your rates from going up due to an accident. Ask us about it. Should I carry full glass coverage on my auto policy? We recommend it due to the frequency here in Arizona. It's the most common auto insurance claim. What about full coverage on my vehicle? We recommend it if the annual premiums for collision and comprehensive are less than 10% of the vehicle value. Example: Car worth $10K (10% = $1K), annual premium for collision and comprehensive are $500. Buy it! Does your auto policy cover me in a rental car? Yes. Your coverages transfer from your regular car to a rental car. If you don't carry full coverage, purchase the damage waiver. Do you offer any discounts for my teen driver? Yes. The good student discount is available to full time students who have a "B" average or better. What payment options do you have? You can pay all at once or monthly. If you pay monthly, you can pay by check or credit card. And you can set up automatic payments with both. Do I get a discount for having both auto and home together? Absolutely. Typically you can save the most money by having both with the same company Should I insure my house for the purchase price? You don't need to. It should be insured for the rebuild price of the structure. The land value should not be included. What happens if someone gets hurt at my house? Your homeowners policy has family liability coverage as well as guest medical. Do you offer Identity theft coverage? Yes. For only $30 per year, it can be added to your homeowners policy and it covers you and your spouse. When should I start thinking about a personal umbrella policy? When your net worth exceeds your liability coverage, you should purchase an umbrella policy to protect your assets from a lawsuit. Do you insure motorcycles, boats, ATVs, RVs? Yes, all of the above. Call us for a quote. Do you sell life insurance? Yes, we provide a variety of life insurance products to meet your short or long term needs.