When To Shop For New Auto Insurance

Auto insurance is a special type of monthly expense. Because auto insurance is necessary to operate your vehicles legally, you want to always make sure you are getting the best possible deal on this mandatory service. At the Insurance Center of Green Valley, serving Green Valley, AZ, we can help you make the best insurance choices. Keep reading to find out when you should be shopping for new auto insurance. 

As You Age 

As you grow older, your insurance rates will start to drop. It is important that you shop around to find the best deal possible. If you have been with your current insurance company for a while, check out a few other providers to find out if you are now old enough to start qualifying for discounts. 

Getting Married

If you have recently gotten married, you may want to consider combining your auto insurance with that of your spouse. Combining insurance can save you money each month, not to mention, it is easier to deal with one payment than with two. 

Adding A New Driver

If you have teenage children, you will be required to add them to your policy when they reach driving age. For some states, teens must be added as soon as they have their learner’s permit. You need to check with your local government to find out what is required in your area. There are often discounts available for students who maintain a good grade point average to help offset the increased insurance rates for covering teenagers. 

Once A Year

Many drivers like to shop around for new insurance rates at least once a year. This helps you stay on top of the best deal available. 

If you would like more information concerning our insurance services, please contact our office at the Insurance Center of Green Valley, serving Green Valley, AZ. 

Required Commercial Insurance in Arizona

For businesses in Arizona, there are two types of commercial insurance that are required by the state. In addition, there may be other types of insurance that you need to protect the business, depending on the industry. If you need commercial coverage, call us at Insurance Center of Green Valley in Green Valley, AZ to find out more. 

Commercial Auto Insurance

If your company owns a vehicle, it is required that you have a commercial auto policy on that vehicle. This insurance policy must meet the mandatory minimum amounts for bodily injury liability and property damage liability. If your business has a car that it uses for work, but it is not owned by the company, it is suggested that it be covered by a hired and non-owned policy that is made precisely for vehicles like that. This protects you from having a personal auto policy that won’t pay out after an accident. 

Workers’ Compensation Insurance

If your business has one employee or more, it is required to keep workers’ compensation insurance for those employees. This is true even if you have just one worker who is part-time. There are some exceptions for specific types of workers and specific industries. For domestic workers that only work in the home, you are not required to have workers’ compensation for those workers. You are also not required to have it for people who only work occasionally or casually or who are independent contractors. 

Get Your Commercial Policies

If your business needs a commercial insurance policy, contact us today at Insurance Center of Green Valley in Green Valley, AZ. We can recommend helpful policies that can help to protect your business as well as help you with mandated commercial policies.