5 Common Misconceptions about Auto Insurance

Misconceptions about auto insurance can cost you dearly when it comes to making a claim. At Insurance Center of Green Valley in Green Valley, AZ, we’ll clarify any misconceptions you may have concerning auto coverage so you can get the coverage you need. Here are some common misconceptions to watch out for when purchasing your policy.  

Misconception: Minimum Coverage is Enough

Arizona requires that you have minimum liability coverage to protect others in accidents you cause. Minimum coverage, however, won’t be enough to protect you against serious accidents, leaving you liable for remaining costs. For optimal protection, it’s best to obtain as much liability insurance as you can afford.  

Misconception: Comprehensive Insurance Provides “Blanket” Coverage

Comprehensive only covers your vehicle against theft and non-collision accidents such as damage caused by falling objects, storms or vandalism. By adding collision, uninsured/underinsured motorist and roadside assistance to your insurance package, you’ll have broader coverage.

Misconception: Auto Insurance Follows the Driver

Auto insurance follows your vehicle, not the driver. If you loan your car to a friend, and he causes an accident, your auto insurance is responsible for damages. You will also be responsible for your deductible.

Misconception: Red Cars are More Costly to Insure

The color of your car has no bearing on the cost of auto insurance coverage. The make, model, and value of your vehicle, however, can affect insurance costs.

Misconception: Auto Insurance Automatically Covers Rental Car Costs

Unless you have insurance coverage for a rental vehicle, your insurer isn’t required to pay for one if your car has to go to the shop for repairs after an accident. By adding rental vehicle coverage to your policy, you can avoid problems with a lack of transportation after an accident.

To learn more about auto insurance coverage and costs, contact Insurance Center of Green Valley in Green Valley, AZ.

Tips for Purchasing Commercial Insurance for Your Arizona Lawn Care Business

Owning a lawn care business can be very rewarding, but there are some risks involved. What do you do if one of your employees accidentally breaks a customer’s window or all of your tools are stolen while on a job? That’s where having the right level of business insurance coverage comes in handy. Here are a few tips for purchasing commercial insurance for your Green Valley, AZ lawn care business.

Know What Types of Insurance You Need

This first step to buying commercial insurance is making sure you know what type of coverage you need. There are several policies that most Arizona lawn care companies carry, including:

  • General Liability Insurance: This type of policy protects you if you accidentally hurt or damage property owned by someone else, and they intend to sue you. It is generally a requirement if you plan on bidding commercial landscaping jobs.
  • Commercial Property Insurance: This policy protects things your company owns, like equipment and tools. If you have an office, it also takes care of desks, computers, supplies, etc.
  • Worker’s Compensation Insurance: If you have employees, you’re required by the State of Arizona to carry this coverage.
  • Commercial Auto Insurance: Most personal auto policies won’t cover you if you’re involved in a wreck while on the job. Instead, you need to have a commercial auto policy in place.

Understand Factors That Affect Your Premium Rates

When purchasing commercial insurance, it is also important to understand the various factors that affect your premium rates. Generally, the length of time you’ve been in business, any previous claims, and your driving record play a huge role. However, our team at the Insurance Center of Green Valley can help ensure you’re getting the most coverage for your needs and budget.

Are you ready to learn more? Our team at the Insurance Center of Green Valley is here to help. Please contact us via phone or email today to schedule a no-obligation policy review.