Shopping for Auto Coverage? Avoid These Mistakes

With so many auto insurance companies and coverage options to choose from, shopping for a policy can be a challenge. At Insurance Center of Green Valley, we can help you make smart insurance choices to avoid costly mistakes in your coverage. Here are some of the most common mistakes people make when purchasing auto coverage in Green Valley, AZ.

Compromising on Coverage for Price

Although the price is important, it shouldn’t be the deciding factor in obtaining an auto policy. You should ensure you get adequate coverage for your driving needs. Inadequate coverage could result in paying for repairs to your vehicle or damages to others out of pocket. It never pays to compromise on essential coverage just to save a few dollars on your premium.

Failing to Fulfill Legal Insurance Requirements

Like most states, Arizona requires that you have minimum auto liability insurance to cover damages to others in accidents you cause. Failure to get this coverage either intentionally or unintentionally could result in a fine or penalty.

Not Comparison Shopping for a Good Price

Auto insurance is a competitive business. If you don’t shop around, you’re not going to get the best deal on your policy. To save time and money, you can comparison shop online to see what insurers in Green Valley, AZ have to offer. This can save you from overpaying on your policy.

Going with the Cheapest Policy

Your insurance should provide protection conducive to your lifestyle. Cheap policies don’t always meet up to those standards. If you cut corners on your protection, you put yourself at risk of financial loss in the event of an accident.  

At Insurance Center of Green Valley, you work with a company you can trust. Contact us today to purchase the quality auto insurance you need at an affordable cost.

Do I need commercial insurance in Arizona?

The Green Valley, AZ area can be a great place to work and live. The strong local economy also makes it an ideal place to start a small business. As you are trying to put your business plan together, you also have to spend time thinking about your insurance needs. There continue to be a few reasons why you need to have a commercial insurance policy in this area of the state. 

Insurance Protects Company

A key reason to get commercial insurance for your company is that it can protect your organization. A small business will have a lot of risks that they need to mitigate as well as they can. When you get commercial insurance, you can mitigate a variety of risks that pose threats to the organization. With commercial insurance, you will have coverage against liability claims and can protect your most valuable business assets. 

Insurance Required by Stakeholders

You will also need to have commercial insurance as it will be required by stakeholders. Raising capital through a loan or outside equity is a good way to grow a business. Whenever you do this, your business will have commercial insurance requirements set by the investors or stakeholders. If you do not meet their insurance requirements, it will put you in default of your agreements. 

As you are looking to protect your business in the Green Valley, AZ area, you will determine that having proper insurance is crucial. When trying to build a commercial insurance policy here, it would be a good idea for you to call Insurance Center of Green Valley. The insurance team with Insurance Center of Green Valley understands the complexities that come with commercial coverage. They will then assess your business risk factors and requirements and help you build an appropriate insurance plan. 

Three questions to ask before you purchase a home insurance policy in Arizona

You need to buy a home insurance policy when you purchase a home. Home insurance is important because a home is such a valuable asset that you need to protect.

We provide home insurance policies to homeowners in Green Valley, AZ at the Insurance Center of Green Valley. The following are three questions to ask before you purchase a home insurance policy in Arizona. 

Is home insurance required?

A lot of homeowners want to know if they’re legally obligated to purchase home insurance. Home insurance is generally not required by law. However, it’s worth noting that mortgage lenders will only lend money to a consumer to buy a home if the home is insured.

If you are still paying off a mortgage, you will be required to buy home insurance. Home insurance is also just generally a good idea to secure your finances even if you’re no longer paying off a mortgage. 

What types of damage will home insurance cover?

A standard home insurance policy will cover liability costs and damages from fire or lightning storms. However, home insurance will generally not cover damage from floods and earthquakes. 

How can I bring my premium costs down?

There are many ways you could potentially bring home insurance costs down. You may be able to bring costs down by making improvements to your home that increase safety.

You also might be able to save money by buying other types of insurance like car insurance from the same provider. Providers will sometimes give you a discount for bundling policies like this. 

We can provide you with answers to your questions about our home insurance policies in Green Valley, AZ. Contact us for more information. 

What are auto insurance requirements in Arizona?

You are required to have liability insurance to operate your vehicle in Green Valley, AZ. The agents at the Insurance Center of Green Valley can help you find the indemnity policy that best fits your lifestyle. 

How much insurance is required in Arizona?

The state of Arizona requires every driver to show proof of at least $25,000 for bodily injury coverage ($50,000 per incident). Drivers also need to furnish proof of at least $15,000 for property damage liability. 

The auto insurance requirements extend beyond cars and trucks in Green Valley, AZ. Moped, motorcycles, and golf cart owners must also meet the minimum indemnity coverage requirements to legally operate their vehicles on the highways and in the city. 

Is the minimum enough?

Arizona is a tort state, which means that an individual deemed at-fault in an accident can be sued if his or her policy falls short. Having the minimum amount of coverage as required by the state will not shield you from a lawsuit if your policy limits do not pay for all damages. 

Having the notion of a lawsuit in mind, many choose to purchase more than the state minimum when it comes to auto insurance. In fact, a lot of drivers choose full coverage, which often includes compensation for medical bills as well as uninsured motorist protection. 

What plan should you choose?

It is best to speak with an agent at the Insurance Center of Green Valley before deciding to simply go with the state’s minimum requirements. An expert in the field can help you understand the importance of auto insurance as well as the benefits that come with full coverage. 

Call the Insurance Center of Green Valley today to get started with a quote for auto insurance.

What are the benefits of home insurance in Green Valley?

In the Green Valley, AZ area, there are a lot of advantages that come when you own a home. Those that are here and buy a property will continue to enjoy the long-term price appreciation, tax benefits while also having a stable place to live in a nice community. As you are looking to get a home here, you should also get home insurance. There are several benefits that come when you get a home insurance policy. 

Insurance Covers Your Assets

One of the benefits that come with home insurance is coverage for your assets. If you do buy a home, you will be making a big investment in your future. You will want to protect this investment as well as you can. A great way to do this is by getting home insurance. With this insurance, you will continue to receive protection in the event your home is damaged or destroyed.

Insurance Gives Liability Protection

A property owner here should also think about their personal liability risks. If you do not receive this coverage, you could have to pay for any damages that you are deemed responsible for during a liability claim. This could include claims that your home caused damage to another property or if someone is hurt while in your residence. With liability insurance, you can receive protection to offset this risk.

As you are looking for a home in the Green Valley, AZ area, you should call the Insurance Center of Green Valley. The team at the Insurance Center of Green Valley can help you determine what your insurance needs are. They can then give you the guidance that you need to choose a policy that will ensure you and your assets are properly protected at all times. 

How commercial insurance can save my small business

Arizona is one of the fastest-growing states in the union. It has low taxes and limited regulations which foster an atmosphere that is conducive to small business. The proof of the pudding is that there are more than half a million small businesses in Arizona employing more than a million workers. But even in such a business-friendly state, things can happen that endanger the future of your small business. At Insurance Center of Green Valley in Green Valley, AZ, we have been in business since 1989 and represent over 20 top-rated carriers. 

Commercial insurance offers a variety of different protections to small businesses that can save your business if you are hit with a covered peril or a lawsuit. Every small business has different needs and risks and every kind of commercial insurance coverage won’t be right. Some types, however, work for almost any type of business. 

Commercial property insurance

Whether you rent or own, commercial property insurance can help you to get back on your feet if you are hit with a covered peril like a fire or a severe weather event. It can help repair or replace any equipment or machinery you have lost. This includes office equipment and computers. It also will protect your inventory and raw materials. 

Commercial liability insurance

Getting sued is always a danger for any business. It can be the result of an injury on your property, a product you produce, or a service you provide. It can even be the result of a disgruntled employee. This insurance pays for a judgment against you and legal expenses. 

If you think your small business could benefit from commercial insurance at Insurance Center of Green Valley in Green Valley, AZ we have the expertise to guide you to the types of coverage you need. Stop by our office or give us a call for a no-obligation quote. 

Three things to do before you purchase auto insurance in Arizona

If you want to drive on Arizona roads, you need to find an appropriate auto insurance coverage option. We can help you meet your auto insurance needs in Green Valley, AZ at Insurance Center of Green Valley.

The following are three things to do before you purchase auto insurance in Arizona. 

Understand factors influencing auto insurance premiums

Numerous factors influence how much you need to pay for auto insurance. Some of the factors that will have an impact on your auto insurance premiums include your driving record, the vehicle you drive, and what kinds of coverage you have.

Understanding the factors that influence your auto insurance costs can help you to save money. When you understand these factors, you can possibly bring costs down. You can bring costs down by purchasing a vehicle that’s more affordable to insure. You can also bring costs down by taking advantage of discounts like defensive driving class discounts. 

Understand what auto insurance covers

Basic auto insurance coverage will cover liability expenses. This means that liability coverage pays for the costs of the damage you cause to others while driving.

However, you’ll enjoy more coverage if you invest in a collision and comprehensive coverage. These types of coverage can cover the costs of damage to your own vehicle in an accident. 

Be aware of state requirements

Your insurance policy will need to meet requirements set forth by the state of Arizona. In Arizona, motorists are required to have at least $50,000 in total bodily injury liability coverage per accident. They’re also required to have at least $15,000 in property damage liability coverage. 

If you’d like to learn more about the steps to finding the right auto insurance coverage, we can help at Insurance Center of Green Valley. Get in touch with us to find a Green Valley, AZ insurance solution. 

Why should I get commercial insurance in Arizona?

If you are a business owner in the Green Valley, AZ area, you will soon find that there is a lot of opportunity for success. Those that are willing to work hard can build and establish a company that could do well for a long time. Those that are looking to succeed also need to consider their insurance needs. There are several reasons why a business owner here needs to get commercial insurance. 

Insurance Protects Against Liability Claims

One of the reasons that you should get a commercial insurance policy for your business is that it can help to protect against liability claims. A business that sells any type of product or service to a customer is going to be taking on liability risk constantly. To ensure that one claim does not put too much stress on you and your business, you should maintain an adequate policy. With commercial insurance, you will receive this valuable insurance protection.

Insurance Protects Business Assets

A full commercial insurance policy is also going to give you some valuable asset protection. As a business owner, you will need to invest in commercial assets to build and grow your business. If you were to suddenly lose these assets, it could put a lot of strain on your organization. Fortunately, when you get a commercial insurance policy, you can receive the protection that you need to cover these assets. 

There are plenty of situations when getting a commercial insurance policy is a good idea for a company in the Green Valley, AZ area. If you would like to cover your business, you should contact the Insurance Center of Green Valley. If you do call the Insurance Center of Green Valley, you will get the guidance and support you need to choose a new policy. 

Do I need home insurance in Green Valley?

Those that are in the Green Valley, AZ area should consider purchasing their own home. Owning a property here provides a variety of short and long-term benefits. As you are shopping for a home, you should also consider your insurance needs. There are several reasons why you need coverage here. 

You Want Valued Protections

One of the main reasons that you need to get home insurance here is that you will want the valuable protection it provides. Home insurance is a great investment due to the protection that it provides for your dwelling and personal belongings, which could save you a considerable amount of money if there is a fire or other form of damage. Additionally, your home insurance policy is going to give you liability protection that will be valuable if you are ever at fault in an accident.

Insurance is a Requirement

You will also need to get home insurance if it is a requirement for you. For the vast majority of property owners, having home insurance is a requirement by at least one agreement. Anyone that lives in a community with a home association or has a mortgage outstanding will be obligated to meet certain insurance requirements. You likely will need to provide evidence of coverage at least once per year. 

Anyone that is in the Green Valley, AZ area and owns a home will want to get home insurance. If you are looking to learn more about your home insurance needs and options, you should speak with the team at the Insurance Center of Green Valley. When you speak with the team at the Insurance Center of Green Valley, you can learn a lot more about how insurance can protect you. This can help to ensure that you receive the right coverage for your situation. 

Should I Notify My Auto Insurance Carrier When I Move?

When you move, you have a thousand things on your mind. You have to consider everything from where to put the furniture to how you’ll even get it through the door. You have to make sure that your medications are readily available even during the transport of all your things. You also have to update different parties about where you’re going and why.

One thing that can easily be forgotten in all the chaos is your auto insurance carrier. If you live in Green Valley, AZ and you’re wondering if you can just let your change of address form take care of everything, Insurance Center of Green Valley is here to give you the facts. 

Yes, You Have to Tell Your Insurance Carrier 

Your insurance is determined by where you park your car and where you drive, which means that you need to tell your insurance carrier when you move. Everything from your rates to your policy requirements might change based on where you’re going. If you’re moving across the street from where you are now, there likely won’t be much of a difference when you update your carrier. However, you still need to let them know. Otherwise, you risk a lack of coverage based on the original information you have them. 

Call for Help

Even when you’re feeling overwhelmed by a move, you have to remember how your relocation will affect one of your most precious possession. If you’re moving either to or from Green Valley, AZ and have questions about the right path for you, give Insurance Center of Green Valley a call today. We can help you get the right auto insurance policy that will keep you protected no matter where you are.