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. 

Updating your auto insurance plan in Green Valley, AZ, is relatively straightforward. All you are required to contact your insurance agent or perform the upgrade online. However, before upgrading your auto insurance, it’s prudent to employ our comparison tool at the Insurance Center of Green Valley to scout for outstanding rates and coverage policies.

Is it time to upgrade my Auto Insurance?

Just like you upgrade your car with mods, the same should apply to your car insurance. Instead of buying and forgetting, you should update your car insurance to ensure that it captures your current state accurately.  Here are reasons that may necessitate you updating your auto insurance:

• When you realize that your current third-party policy is not adequate, and you would prefer switching to comprehensive insurance.
• When your circumstances have changed, and you are willing to procure add-on cover to your original policy. For instance, purchasing engine protect because you have moved to an area prone to water logging.
• After establishing your personal vehicle to commercial. You need to update your insurance from personal auto insurance to commercial auto insurance.
• You have bought a new car, and you wish to transfer your old policy to your new vehicle. You can undertake this transfer by upgrading the sum assured based on the new car’s value.
• When you are moving or changing your location. An upgrade is crucial when relocating because your car insurance company might not be operational in the state you are relocating to. Even though they may be operating in the state you are moving to, they may require some adjustments on your premiums, considering the risk profile of the locality.
• When you have decided to let a teen drive your car. Upgrade in this situation is crucial because your teen driver is more susceptible to the risk of causing an accident. Statistics in the U.S reveals that more accidents are propagated by teens more than any other age group.

Are you interested in making an auto insurance upgrade in Green Valley, AZ? Upgrading your auto insurance is easy. All you have to do is call or visit our Insurance Center of Green Valley, and get an affordable upgrade for your auto insurance hassle-free!

As a business owner, you should know that almost every state requires commercial auto insurance if there are business-owned vehicles and employees that operate them. You won’t legally have a choice in the matter if this is your s situation. Our team at the Insurance Center of Green Valley, AZ understands this and is here to help business owners navigate commercial insurance requirements as well as any coverage they may need to safely run their business. 

It’s the Law…for the Most Part
Most states require businesses to purchase commercial insurance if there are cars that fall under the company name, or owned by the company. Also, company vehicles that are used by employees to transport clients and equipment, and drive to job sites require commercial insurance coverage. Personal car insurance is generally not designed to cover commercial or business needs if those terms aren’t stated in the policy. This is significant because involvement in a job-related car accident could invalidate your personal insurance policy. 

Why Personal Car Insurance May Not Cover Commercial Use
Many personal insurance policies have an exclusion that clearly declares that there’s no coverage for personal vehicles that are used for business purposes. This is one of the many reasons why it’s important to purchase a policy that is designed for the specific use of a vehicle. The right insurance coverage will protect both you and your employees legally and serve the purpose of the vehicle more accurately. Where your personal auto insurance policy would fall short, a commercial insurance policy would provide more coverage for a vehicle used for commercial purposes. 

Other Considerations
Personal auto insurance is less costly than business insurance. A car used for commercial purposes is more than likely more frequently driven, hence, more prone to accidents and liability, particularly if you are transporting clients or business equipment. The increased risk usually translates into higher costs. If you have questions regarding whether or not you need commercial auto insurance, give us a call. We’re here to help.

The state of Arizona requires all auto drivers to have insurance in Green Valley, AZ. You do not have to show proof of full coverage to legally operate a vehicle on the highways or in the city. You do, however, need to show evidence of coverage that satisfies the state’s minimum. The Insurance Center of Green Valley can help you understand how auto insurance works in Arizona. 

What is the state minimum for auto insurance in Arizona?

Arizona requires all drivers to show proof of auto insurance that pays at least $25,000 per person ($50,000 per incident) for bodily injury. Your policy should also pay at least $15,000 per incident for property damage. 

What happens if you do not have enough insurance?

It is not enough to purchase an auto insurance plan in Green Valley, AZ. You must buy an indemnity policy that satisfies the state’s minimum as well as protects you from having to dig into your personal finances to pay for damages associated with an at-fault accident. 

Arizona is not a no-fault state, which means you may be sued by the victims if you do not have enough insurance to cover an incident. You may also be fined by a law enforcement officer for driving while uninsured. In some cases, drivers face license suspension if they have more than one offense of driving while either underinsured or with no indemnity coverage at all. 

Call Insurance Center of Green Valley, AZ

An accident is not the time to address your lack of proper auto insurance. The agents at the Insurance Center of Green Valley, AZ can help you understand what it takes to legally operate your vehicle in the state. Call them today to get started with a quote for auto insurance coverage.

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.

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.

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. 

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. 

Anyone that is in the Green Valley, AZ area would benefit from having a car. When you have a vehicle here, it will be much easier for you to get around town. While a car will provide you with a lot of conveniences, there are also a lot of responsibilities that come with it. One task that all people in the area need to do is get a quality auto insurance policy. There are several benefits that you will receive if you get a quality auto insurance policy.

Protection for Liability

One of the benefits of getting into an auto insurance policy will be that you can receive protection for liability. Anyone that drives a car will always run a small risk that they could cause an accident. If you do cause an accident, it will be up to you to cover damages. Fortunately, with a liability insurance policy, you will have protection against this risk.

Covers Vehicle

You will also benefit from getting an auto insurance policy as it can cover your vehicle. If your vehicle is damaged or stolen, the repair or replacement costs can be significant. Fortunately, with an auto insurance policy you can receive coverage for these expenses. 

As you are shopping for a new auto insurance policy in the Green Valley, AZ area, it would be a good idea to reach out to someone that you can trust. A great source of information to reach out to when you need a new insurance policy is the Insurance Center of Green Valley. As you call the team at the Insurance Center of Green Valley you can learn a lot more about the options available to you. This will ensure you get into a proper policy that gives the right protection. 

There are all kinds of insurance add ons you absolutely need to consider when it comes to your vehicle. These different forms of insurance will help specialize your auto coverage and ensure you have the kind of protection you need. But what auto insurance add ons are right for you? We at the Insurance Center of Green Valley are here to help you find this out. So, if you live around Green Valley, AZ, here are some of the add ons you need to know about. 

Personal Injury Protection

PIP coverage is an add on the form that will help you with health coverage if you are injured. Health insurance doesn’t always cover all auto injuries and if you are in a serious accident this does become expensive. PIP can help you with this. 

Roadside Assistance

You never know when you might have a flat tire or some other kind of problem with your vehicle. With roadside assistance help will be a simple phone call away, all for a small monthly payment. 

Uninsured Motorist Insurance

If you’re involved in an accident with an uninsured motorist it isn’t your fault they don’t have insurance. And yet, because they drove without insurance it leaves you exposed to paying out of pocket. To help you avoid this, uninsured motorist insurance is a coverage you should consider. 

Protect Yourself With The Right Auto Insurance Add Ons

There are so many insurance add ons available it is difficult to know what to opt for. That is why our staff here at the Insurance Center of Green Valley is here to lend a helping hand. So, instead of guessing blindly at the insurance coverage right for you, let our staff help you out. If you live around Green Valley, AZ, we are just a phone call away.