Auto Insurance Broker in Gilbert

Call (480) 391-3883 for a Quote!
Couple in front of their home in Queen Creek

Welcome to San Tan Insurance, an independent auto insurance broker serving Arizona, located in the heart of Gilbert!Call (480) 391-3883 for a quote to insure your car, truck, SUV, or minivan.

We research the best auto insurance rates and coverage options.

What Does Automobile Insurance Cover?

Liability Coverage Icon

Liability Coverage

This coverage is provided for the listed drivers and auto on your policy. The liability of the auto insurance coverage provides funds up to the limit of the policy to settle the at fault claim on your behalf. If you do not have liability insurance or enough liability insurance to pay a claim, the party that was damaged, (due to your negligence), may go after you personally. The most important item to remember is that you need to have the liability limits higher than your personal assets. If not, you may have to sell your personal possessions to pay for your claim.

Medical Payment

This coverage allows the party that was injured within your auto to have their medical bills paid due to injuries sustained within your vehicle. The payments would be paid up to the limit of the medical payments coverage and are subject to the policy language. Make sure you speak with your auto insurance broker and understand this coverage and its limitations, conditions and exclusions before you buy it.


Provides coverage for accidental damage to your vehicle for most causes, except collision or upset. This coverage is subject to a deductible.

Full Glass Coverage

This coverage waives the deductible for any broken glass on your auto. Some policies restrict this coverage to certain types of claims and specific pieces of glass on your auto, while excluding other pieces of glass.


Provides coverage for accidental damage to your vehicle caused by collision or upset. This auto insurance coverage is also subject to a deductible.

Uninsured Motorist

This coverage provides protection up to the policy limits for payment of legally collectable damage for bodily injury or death caused by another vehicle that is not properly insured.

Underinsured Motorist

This provides the same coverage as Uninsured Motorist up to the policy limits, except that it provides the coverage if the other vehicle does not have sufficient coverage to pay the full amount of your loss for bodily injury.

Towing Coverage

This is a reimbursement coverage that pays for towing to the nearest repair facility up to the limit of the coverage. It is important to speak with your auto insurance broker and have them explain the limitations, conditions and exclusions for this coverage.

Rental Car Expense

This coverage pays for a rental car while your car is in the shop being fixed due to a covered loss.

For many motorists, finding the right auto insurance can be difficult, as there is so much to consider. In order to help you make the right decision, we have compiled a list of frequently asked questions we hope prove to be useful.

What Are the Available Types of Auto Insurance Coverage?

There are typically three main forms of auto insurance – liability, collision, and comprehensive. While liability coverage is mandatory by law, the other options are not, giving motorists different ways to reduce their overall costs. Continue reading…

How Much Auto Insurance Do I Actually Need?

Home insurance will already protect you as far as personal injury or damages to property are concerned when you are considered to be legally responsible. Your policy will cover you when injury is caused by falling, slipping or any other injury on your property, such as a bite inflicted by your dog. Continue reading…

How Do I Compare Auto Insurance Quotes?

While you can go to an insurance price comparison website and see multiple quotes at once, you won’t get nearly as good of an offer as you would if you were working with an independent insurance broker, as a broker can save you significantly on premiums. Continue reading…

How Can I Lower My Premium?

While there are a number of factors that can determine what Arizona driver’s auto insurance premiums will be, there are a few simple ways to reduce your rate, including driving a vehicle with great safety ratings. Continue reading…

How Can I Find the Best Policy for Me?

There’s two ways to ensure you get the best policy for your needs – (i) spend hours searching insurance websites – comparing rates and negotiating with sales people; or (ii) work with an independent insurance broker who knows what to look for and where – saving you time and money! Continue reading…

Why Do Auto Insurance Premiums Change?

When it comes to auto insurance in Arizona, there are numerous variables that can effect a change in your premium, such as inflation, the cost to repair your vehicle, medical expenses paid after an accident, and even uninsured drivers. Continue reading…

How Do Insurers Control Auto Insurance Costs?

Most large insurance companies help to keep their driver’s auto insurance costs low by organizing anti-fraud divisions, working with repair shops to keep standards high and costs competitive, and working with organizations that are dedicated to driver and pedestrian safety. Continue reading…

How Does the Type of Vehicle I Drive Affect My Insurance Rate?

Did you know that if you own a vehicle model that regularly gets stolen or broken in to you’ll likely be paying more for insurance? Furthermore, those who drive safer and less expensive to repair cars, trucks, and SUVs, will pay less for their coverage. Continue reading…

Do I Need Special Coverage If I Add Certain Features to My Vehicle?

This depends on the company providing your insurance coverage, but more than likely, insurers will provide a set amount of coverage for special features added on to your car or truck, such as custom body work, tires, or rims. Continue reading…

How Do I Know if Insurance Companies Deem Me to Be a Risk?

Some of the more obvious factors that can lead to deeming one as a higher risk driver, including a reckless driving history or past DUI conviction, plus most auto insurance carriers will look into your credit history. Continue reading…