Aaron McDermid

I am your Good Neighbor State Farm Insurance Agent of 17 years

• Go Big Red! As a University of Nebraska graduate, I am an avid fan of the Cornhuskers!

• I 'm also a U.S. Army Veteran and currently serving for a third time as President of the Superstition Mountain Rotary Club. Additionally, serving on the Board of the Apache Junction Chamber of Commerce. All of these experiences strengthen my dedication to being your reliable Good Neighbor.

August in Arizona means students are returning to school, families are adjusting to new routines, and extreme desert temperatures are still creating risks for drivers, homeowners, renters, and businesses. Monsoon storms, dust storms, flash flooding, intense heat, and increased school-zone traffic can make this a particularly important time to review your insurance coverage.

Frequently Asked Questions About August Insurance in Arizona:

Should I notify my insurance agent when my teenager starts driving?

Yes. Contact your insurance agent when a teen becomes licensed or regularly begins operating a household vehicle. Your agent can review driver information, vehicle use, coverage options, and potential discounts.

Adding a teen driver is a major milestone for many Arizona families. It can also change your household’s auto insurance needs.

Before your teen begins driving to school, review:

• Which household vehicle the student will drive

• How often and how far the student will drive

• Where the vehicle will be parked

• Whether the student will drive to work or activities

• Your liability limits and deductibles

• Available safe-driving or student-related programs and discounts

Encourage young drivers to avoid distractions, keep their phones out of reach, wear seat belts, and carry water and emergency supplies during Arizona’s extreme summer heat.

Does a college student need renter's insurance?

It depends on where the student lives and the terms of existing policies. Students renting an apartment or home may benefit from a renters policy for personal property, liability, and eligible additional living expenses. Ask your agent to review the student’s specific living arrangement.

Insurance agent tip: Roommates may need separate renter's insurance policies. Review who is insured and which belongings are covered before signing a lease.

College Student Insurance Checklist

Before an Arizona student moves into a dorm, apartment, or rental home, consider these questions:

• Is the student taking a vehicle to college?

• Where will the vehicle be stored or parked?

• Has the student’s address changed?

• Are their computer, phone, electronics, and furniture properly documented?

• Does the student need renters insurance?

• Are any roommates incorrectly assumed to be covered?

• Does the student understand their auto policy limits and deductible?

• Is roadside assistance available for long-distance travel?

Although the school year is restarting, Arizona’s monsoon season is not over.

August can still bring dust storms, lightning, high winds, heavy rain, and flash flooding.

When driving during a severe dust storm:

• Check traffic around your vehicle.

• Pull completely off the paved roadway when it is safe to do so.

• Stop the vehicle and set the parking brake.

• Turn off your lights and remove your foot from the brake pedal.

• Keep your seat belt fastened.

• Wait until visibility improves before returning to the road.

Never drive through a flooded wash or water-covered roadway. Floodwater may be deeper or moving faster than it appears.

When should Arizona families review their insurance?

It is a good idea to review coverage after major life changes, including adding a driver, buying a vehicle, moving, renovating a home, sending a student to college, starting a business, getting married, or welcoming a child.

If you have added a teen driver, purchased a school vehicle, moved a student into an apartment, completed home improvements, or experienced changes in your household or business, August is a great time to schedule an insurance review.

Visit One of Our Mesa Locations or call us to schedule an insurance review!

McDermid State Farm Agency 1113 S. Signal Butte Road, Suite 109 Mesa, AZ 85208

McDermid State Farm Agency 6835 E. Baseline Road, Suite 102 Mesa, AZ 85209