Auto Insurance


Accidents happen - and you shouldn't be penalized for it when they do. Daniel G. Martinez and his team of Prescott agents strive find the best car insurance options, with the coverage you need to protect you in any circumstance - regardless of fault.

In Arizona, a minimum of liability insurance is required on all vehicles, including golf carts, motorcycles, and mopeds.

Regardless of your past vehicle history, our team strives to help find the best solutions, at the most affordable prices.

Types of Auto Insurance We Offer in Prescott:


Collision covers the cost of repairs to your car, regardless of fault. Generally, you’ll need to meet a deductible before the insurance company will cover the remaining amount. Collision is usually ideal for newer vehicles.

Uninsured and underinsured motorist protection (UM & UIM) coverage is required in the state of Arizona. Uninsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has no liability coverage. Underinsured Motorist coverage protects you or passengers in your vehicle for bodily injury you or your passengers sustain in an accident involving a driver who has insufficient insurance to cover the injuries of you or your passengers.

Comprehensive coverage pays for damage to your car caused by fire, weather, vandalism, and theft. This coverage typically carries a deductible, too. Similar to collision coverage, determining whether or not comprehensive coverage makes sense for you, depends on the value of your vehicle.

Medical Coverage pays for medical expenses and lost wages to you or your passengers if someone hits you. If you’re injured while riding as a passenger in another vehicle, it will also cover your medical expenses. This is extremely important coverage to carry, although if you’re healthy and have a disability policy, you can opt for minimum coverage.

Customize Your Auto Insurance Policy with Tons of Coverage Options


Sometimes with car insurance, a "one-size-fits-all" policy just doesn't cut it.
That's why we offer specialized insurance options, just in case the weird things in life happen. During our initial auto insurance review, we'll look for potential gaps in your coverage to make sure that you're covered no matter what life throws at you.

Consider additional coverage options like:

Rideshare Coverage

Do you drive for rideshare services, like Uber or Lyft? We've got a special coverage option for that. We can offer personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

Accident Forgiveness

We know. You're an awesome driver - but you just got your first claim in forever and you're nervous about your rate changing. If you opt for accident forgiveness, there's no need to worry. You're forgiven for one accident every three years you drive without one.

No Fault, No Foul

Yes, accidents happen - and they're not always your fault. With this option, your rate remains unchanged when you're not at fault in any accident when your standard auto insurance policy with us is active.


Get Your Free Auto Insurance Consultation

If you're purchasing a new vehicle, or simply looking for a better insurance partner, give Daniel Martinez and our team a call. Let's discuss your coverage needs to find the best discounts and most affordable rates.