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As your independent insurance agent working with Insurance Professionals of Arizona, My Agency will shop the insurance market for you in Chandler, Mesa, Gilbert, Phoenix, Tempe and other parts of AZ. With multiple A+ rated carriers to choose from, we will compare multiple quotes to find you the best insurance coverage at the lowest possible premium.
Our range of insurance products is very comprehensive and includes:
Protecting Arizona Families, Assets & Dreams
As your independent agent, I make finding the right insurance easier for you by shopping and comparing multiple carriers quotes to find the right coverage at the right price. I will clarify the fine print so you know exactly what you’re getting.
Chandler Auto Insurance
Coverage requirements vary by state, but usually include the following:
Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.
Personal Injury Protection (no-fault coverage): This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.
Medical Payments: This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person’s reasonable and necessary medical and funeral expenses for bodily injury from a crash.
Collision Insurance: This type of coverage protects your vehicle from damages that result from an accident with another vehicle or with other objects on the road. If your vehicle is in a car accident, the insurance will pay for repairs or if the car is totaled will cover the cost to replace it, up to the fair market value of the vehicle. Collision coverage usually comes with a deductible (the amount you pay before the insurance policy does). The higher the deductible, the less collision coverage will cost.
Comprehensive: This type of coverage protects your vehicle from damages that are a result of things other than a collision. For instance, if your radio was stolen and the burglar broke your window and ruined your dashboard, the auto insurance can cover your losses and fix the damage. Theft, flood, hurricane, windshield damage and fire are commonly covered by comprehensive car insurance. Although not legally required by any state, if your vehicle is financed you will probably need it.
Uninsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.
Underinsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.
How Much Auto Insurance Do You Need?
Policies are usually for 6 months or a year and the rate you pay for your premium is dependent on many variables including type of coverage, age, type of vehicle, location of residence, credit rating and how you use your vehicle. Each person’s situation is unique and every insurance company has their own formula for calculating the cost of a policy.
At Richard Johnson Insurance Agency/IPA we know you have better things to do than shop insurance. Our carriers offer discounts such as, home/auto discount, anti-lock brakes discount, good student discount, safe driver discounts, passive restraint discount and more. Let us shop our A+ rated insurance carriers for you and find the lowest rate possible for the auto insurance coverage you need in Mesa, and Gilbert.
Your car is important to you. If its ever involved in an accident you’ll need an auto insurance policy from a top rated carrier that’s going to take good care of it. Our insurance carriers are A+ rated and will be there for you in your time of need.
Whether you drive a passenger car, an SUV, or a collector car we can find the proper coverage at an affordable rate. Talk to one of IPA’s carefully trained agents today and get the proper coverage at the best price on Mesa auto insurance. Give us a try, you’ll be glad you did! At IPA we do the insurance shopping for you.
Insurance Agency Serving Scottsdale, Chandler, Phoenix, and Tempe, AZ
When you need reliable home, auto, or life insurance coverage, Richard Johnson Insurance in Phoenix, AZ is here to help. As an independent insurance agency, we offer a variety of personal and business insurance plans you can count on for the important things in your life. We are local, family owned independent agency dedicated to serving Phoenix and surrounding areas. Our number one priority is our clients made up of our neighbors, friends and community members. We offer a full array of coverage from auto to business, health and life insurance. We are the proud to be your local insurance agent. At Richard Johnson Agency, our services include:
Car Insurance Mobile Home Insurance Commercial Vehicle Insurance
Umbrella Insurance Landlord Insurance Flood Insurance
Boat Insurance RV Insurance Snowmobile Insurance
Sand rail Insurance Golf cart Insurance Motorcycle Insurance
Business Insurance Life Insurance Term Insurance
Profession Liability Farm & Ranch Insurance All Business Insurance
While I am a Local Resident of Chandler, AZ, We happily serving clients in the following areas:
Chandler, AZ Tempe, AZ Phoenix, AZ
Scottsdale, AZ Gilbert, AZ San Tan Valley, AZ
Ocotillo, AZ Mesa, AZ Chandler Heights, AZ
Maricopa, AZ Casa Grande, AZ Apache Junction, AZ
Sun Lakes, AZ Sacaton, AZ Queen Creek, AZ
Gold Canyon, AZ Pinetop, AZ Payson, AZ
Why Choose Us?
- We make it easy to do Business with us for home ,life, auto insurance
- Professional assistance in designing a protection program for you
- Efficiency in obtaining fair, prompt settlement of your claims
- Periodic reviews of your insurance program to check for coverage gaps
- Our policy give you the option to choose coverage that’s right for you
The best compliment I have ever received was when one of my clients was asked who you are insured by? Another person looking for insurance asked them that question , And they answered “Rick”. To me it’s not just the company you are insured by but also the agent. I can help with auto insurance, homeowners insurance, business insurance and life insurance!
Give me a call at (480) 455-2920 and I’ll be happy to answer any questions you might have.
My mission is to offer Excellent Product(s) and/or Service(s), put my customer’s needs above my own and exceed your expectations. I want you to be PROUD to say “MY AGENT IS RICK!”
7 am 9pm Monday–Friday Saturday Sunday 9-7
Phoenix, Scottsdale, Chandler, Gilbert, Tempe, Scottsdale