State 48 Insurance Brokers Of Arizona

State 48 Insurance Brokers Of Arizona Specializing in Life, Home, Auto, Motorcycle, Renters, Business, Health & other Specialty products. Please call our agency for a FREE Insurance Quote Today.

Our Goal is to help you, educate you and make sure you and your family are properly protected on your Insurance needs and help you recover from the unexpected. Specialize in Home, Auto, Life, Motorhomes, ATV, Commercial, and much more.

Meet the Woman Behind State 48 Insurance Brokers of Arizona. I’m Marisol Arnold, Owner & CEO of State 48 Insurance Broke...
08/02/2026

Meet the Woman Behind State 48 Insurance Brokers of Arizona.

I’m Marisol Arnold, Owner & CEO of
State 48 Insurance Brokers of Arizona.
I’ve been in the insurance industry for 21 years, and for the past 10 years, I’ve had the privilege of owning and growing my own insurance brokerage.

It’s been a crazy roller coaster to say the least, yet I wouldn’t want it any other way. This journey has come with its share of challenges, ups and downs, victories, setbacks, failures, and moments that have tested me in ways I never expected.

Through it all, every adversity, every failure, and every heartache has taught me something valuable. Those experiences have shaped me into the business owner, leader, and insurance professional I am today. Looking back, I wouldn’t change any part of my journey because every chapter has helped me grow into the person I am today.

I wanted to share a little about myself because I believe there’s always a person behind every business. Behind every logo is a story, and this is a small part of mine.

Insurance is what I do, and I genuinely love being part of this industry. My passion is educating people, answering questions, and helping others.

If you decide to follow along, you’ll see a little bit of everything, entrepreneurship, behind-the-scenes moments, lessons I’ve learned, personal growth, and a little bit of everyday life.

Whether you’re here to learn, connect, follow my journey, or one day have the opportunity to work with me and my team, I’m truly grateful you’re here.

Lastly, I simply want to say thank you!
In a world full of choices, thank you to everyone who has placed their trust in me, my team, and State 48 Insurance Brokers of Arizona. It truly means a lot, more than you’ll ever know.

THANK YOU ALL that have supported me and my agency in any kind of way from getting quotes or insurance with our agency, to liking, engaging and sharing my content to referring clients and sharing my business with friends and family. Your contribution has helped me grow and thrive and I am eternally grateful for that.

For those who have been with me since the beginning, your trust and loyalty in me and my agency is invaluable, I am forever THANKFUL for your continuous love and support.
The smallest actions help in the biggest way, thank you all for your continuous support.

❤️- Marisol

08/08/2024

STOP house hunting without a Pre-Approval. Starting August 17th, the Realtor you choose to hire is more important than ever. Whether you are looking for a Custom Luxury Home, a Premium Home, a New Build or an Investment Property, we will guide you and help you shop for your next home that best suits your wants and needs within your budget. We will also position you with the best lender to help you get Pre-Approved and get you the best interest rate, and down payment assistance if needed. If you are also looking to Sell, we can also assist you to Sell your home for top dollar. Remember to always use a Realtor as they always look for your best interest. Without an agent, you won’t have anyone to back you up nor will you know what to look or ask for. And most importantly before closing don’t forget to contact your Insurance Broker to assure your property is eligible for coverage. Our agency can also help you with all your insurance needs whether you are needing coverage for your New Build, Custom, Premium, Starter or Rental Property, we will help you every step of the way to find the best premium on your Home Insurance and make your Home closing as seamless as possible.

HAPPY HOUSE HUNTING 🏡

05/03/2024

What happens if you get caught driving without insurance?

Car insurance is mandatory in nearly every state. If you are caught driving without insurance, you can face fines, license suspension, registration suspension and even jail time.

Be sure to find an insurance policy right away if you own a car and are currently uninsured.

Penalties for driving without insurance:
For all citations, you can anticipate three specific penalties: (1) a fine of at least $500; (depending on state) (2) driving privileges suspended; and (3) an SR-22 requirement for 2 years. To note, the court can attach additional fees and penalties and you can expect an increase in your auto insurance.

Coverage can be expensive, but a lapse in coverage can be more expensive in the long run.

Most drivers can find reasonable rates by shopping around and comparing quotes for car insurance online, which can take hours or even days trying to find the most affordable price out there.

Save time and money and let us help you instead. We do all the work & shopping for you. Whether you are looking for full coverage, liability insurance, or custom coverages we can help!

We are a multi-line insurance brokerage, offering Auto, Home, Life, Commercial & Health Insurance.

I hope that you find the below information useful, and I hope that it helps explain what is happening in the insurance w...
11/03/2023

I hope that you find the below information useful, and I hope that it helps explain what is happening in the insurance world today. It won’t matter what carrier you are with, this is an industry issue.

The insurance marketplace is tightening up and it's happening fast. It’s happening especially fast for home and auto insurance companies. This is regardless of what state you are in, however California, Florida, Louisiana and Texas are being hit especially hard. Carriers are pulling a full hard stop on issuing any new policies across the country, and carriers that have NOT put a moratorium on binding new coverage, are actually just leaving the market or they are selling to other carriers/merging. They simply can't operate profitably in this inflationary market. *EVERY DAY* we are hearing about a pause on new business, or a carrier putting a full stop on writing new policies. Some carriers are requiring *full premium payment* up front for new business or requiring a 20 to 30 day hold on new applications. Carriers may shift underwriting guidelines, so they *only* want preferred business… no claims within 5 years (not 3 anymore), home and auto bundles, etc. Some carriers will NOT reinstate coverage if it lapses, no matter the reason.
The market is disrupted and it WILL affect you. If it hasn’t yet, it will. I have personally seen premiums double and triple what they were the year before.

The cost of claims has risen exponentially in the past 2 years, thus resulting in the carriers having to raise premiums or pull out of some markets. In some states, carriers have applied for rate increases, but have not been able to get them approved, so they simply shut down for new business.

If you have an auto or home insurance policy, your rates have gone up, and if they haven’t, they will. This isn't personal, it’s not based on a claim you may or may have not had, it’s simply the cost of doing business. If you have *not* gotten a rate increase, be prepared for one at your next renewal, if you get renewal terms at all.

➡️The cost to rebuild your home is up dramatically due to the rising cost of materials and labor. Supply chain for materials continues to be an issue. We can all agree that everything has gone up in price. Carriers simply can’t survive paying these higher prices without charging more themselves.

➡️The cost to repair your car is up dramatically due to the rising cost of auto parts and labor to fix your car. In addition, parts in vehicles now include some technology features. Replacing a side mirror or windshield used to be $500 - now it’s more than triple that.

➡️The cost of medical care continues to skyrocket. Bodily injury on auto accidents is off the charts.

➡️Litigation is expensive and settlements are rising at an unprecedented rate.

➡️Both the frequency and severity of auto accidents are WAY up post COVID along with the rising frequency of auto fatalities.

➡️ReInsurance (the insurance your insurance carrier buys to help cushion catastrophic loss) is at or approaching capacity in many markets, and rising rates are unsustainable.

This is a significant issue affecting the property & casualty industry, and pricing correction is anticipated at least through 2024. It won’t be for forever, but it is here now.

There are some things you can do to help get through this current insurance market:

✅ Consider Higher Deductibles. This will help save some money on your policy.
✅ Safe Driving Telematic Programs. Telematics can reward you by giving you a discount for good driving.
✅ Discount Reviews - make sure you're getting everything you're entitled to. Every carrier has different discount opportunities. Make sure you go over those with your agent.
✅ DO NOT let your policy cancel or lapse *for any reason*. Carriers are not reinstating coverage as easily as they once did. If it does cancel, they may require premium in full before reinstating. This is across the board for every line of coverage.
✅ Bundle your Auto and Home for more discounts and more stable pricing. Bundled/Packaged policies most always include better coverage and benefits and the cost savings is usually 10-15% (or more) on each policy. Many business risks can also bundle options.
✅ Consider tenure - jumping companies too often will hurt you in the long run. In addition, some carriers won’t take you as a new client if you have less than two years with a carrier. And more importantly, carriers are getting off of some risks if a claim happens in the new business term or for the number of claims in a 3-5 year window. Tenure matters with a carrier.
✅ Follow the laws so you don’t get any tickets. Those tickets really add rate to your policy and stay on your record 3-5 years, depending on the carrier.
✅ Absorb small claims when you're able, and save coverage for catastrophic losses. Talk with your agent and let them claims counsel you should a loss happen. Stop using your towing or roadside assistance as a maintenance policy. Frequency of claims REALLY matters. A lot.
Lastly, please remember that we are agents for the carriers. We don’t make the rules, we don’t have control over the rates and we don’t make the decision if your policy is cancelled by the carriers. We are here to help educate, make sure you have the best insurance for your situation, manage your account and claims counsel when needed.

I hope this message explains a little bit of what is going on in the insurance marketplace. Please be nice to your insurance agent whatever company or companies they represent - they are also taking the same increases and doing their best to help you through this.

✳️ Thank you to some really smart agents that helped put this together and is being shared widely.

- Marisol Arnold
State 48 Insurance Brokers Of Arizona

What to do and important steps to take if you’re involved in a car accident. 🔴 Step 1: STOP* Do not drive away, even if ...
02/20/2023

What to do and important steps to take if you’re involved in a car accident.

🔴 Step 1: STOP
* Do not drive away, even if you think the damage is minor. Wait for advice from a police officer and/or your insurance agent first.

🔴 Step 2: GET YOURSELF TO A SAFE PLACE
* Turn on your hazard lights and assess the scene.
* If your car is blocking traffic and you are able to safely drive it to the shoulder, doing so may prevent secondary collisions.
* If you ARE injured or if your car is totaled/smoking, seek immediate help for yourself. Leave your car where it is. Remember, for anything more contentious than a fender bender, police investigation work may be involved. In theses cases, it’s probably best not to disturb evidence.
* If it’s dark outside and/or you are near a busy roadway, stand far away from moving cars. Get a flashlight from your glove compartment if you have one. Keep an eye on your vehicle (i.e. don’t walk away from the scene) to be sure no one is tampering with the car or the evidence.

🔴 Step 3: CONTACT AUTHORITIES
* Call the police. If someone is injured, call 911. Do not attempt to move an injured person unless you are a trained emergency responder.
* Depending on where you are, it’s possible an officer may not come out for a minor collision. In this case, call your insurance agent to be sure you’re doing all the right things.

🔴 Step 4: EXCHANGE INFORMATION
* Ask other drivers involved for the following information: name, address, phone number, insurance information, and license plate. Ideally, ask to take a cell phone photo of their license and registration.
* If they don’t have these items or are uncomfortable providing them for a photo, try to get a photo of the driver himself, vehicle license plate and accident scene. Unfortunately, not everyone is going to be honest in this situation. If you have a photo of the driver at the scene, it will be hard for him/her to argue someone else was driving, etc.
* Look around for any witnesses who saw the collision. Gather their names and phone numbers as well. This is especially important if you believe you were not at fault or if the other driver fled the scene.
* Do not admit fault or apologize. You may want to ask if the other driver/passengers are alright, but do not volunteer that you are fine or alright. (An early statement could be used against you if pain emerges later and you need to seek damages at that point.)

🔴 Step 5: TALK TO AUTHORITIES
* Talk to the police. Answer all questions honestly. Remember that you may feel okay now and hurt later. It’s okay to say you’re not sure how you feel.
* Write down the officer’s name and department.
* Ask for the incident number.

🔴 Step 6: DOCUMENT THE SCENE
* Take photos and/or video of the car and the surrounding area.
* If you do not have your cell phone on hand, draw a map of the street(s) and the position of the cars, including any structures or obstacles that played a part in the collision.

🔴 Step 7: CALL YOUR AGENT
* This is one of those times when you will be very glad you have a dedicated insurance agent to help you. Call him or her at the scene. If it is after office hours, your agency probably has a call service to handle emergencies like this. Ask about tow service if necessary. Follow up to ask about your claim (if you need to file one).
Even if you think you know what to do after a car accident, double check each step with an authority at the scene. Car accidents are scary experiences. Your adrenaline is probably pumping; you may feel stunned or disoriented.

It's important to report your claim as soon as possible for a number of reasons. For example, accidents require a more detailed investigation. It's also better to investigate quickly after the accident so that everyone remembers the details.

By following the steps above, you will have all the information you need to get through it.

Most people buy Life Insurance so that their loved ones have financial security if they die.However, Life Insurance coul...
02/20/2023

Most people buy Life Insurance so that their loved ones have financial security if they die.

However, Life Insurance could also benefit you while you’re still alive. Our Life Insurance policies come with living benefits, which mean you have access and can tap into funds while you’re still alive.

What exactly are living benefits and how does it work?

The common living benefits include:

✅ Terminal illness - Also called accelerated death benefits, this can help you provide funds you were to receive terminal diagnosis that shortens your life expectancy two years or less. It can help cover end-of-life care and related expenses, but the benefit can also be used for things beyond that.

✅ Critical illness - This can provide funds to help pay medical expenses for certain qualifying illnesses that may have high medical cost and shorten the life expectancy, such as a stroke, heart, attack or kidney failure that aren’t necessary considered terminal.

✅ Chronic illness - This is like a critical illness rider, but applies if you are diagnosed with a chronic illness that prevents you from being able to complete at least two of the six determine activities of daily living these activities of daily living which include eating, bathing, using the bathroom, getting dressed, transferring and continence.

At State 48 Insurance Brokers Of AZ all of our Life Insurance polices that we offer and companies we work with come with living benefits.

Do you currently have an active Life policy and don’t know if you have living benefits, or need help deciding what’s right for you and your family?

Talk to one of our Insurance professionals to help you review and sort out different options.

STATE 48 INSURANCE BROKERS OF ARIZONA
☎️ 480.877.0048
📱 602.736.2793
📧 [email protected]


Address

7011 N 57th Avenue Suite J
Glendale, AZ
85301

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm

Telephone

+14808770048

Website

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