Category Archives: Auto Insurance

Questions to Ask When Purchasing a New Auto Insurance Policy

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Shopping for auto insurance can feel like navigating a twisty road without a map. With so many options out there, it’s easy to feel overwhelmed or unsure about what coverage you actually need. At Insurance Center of Green Valley in Green Valley, AZ, we help drivers make confident, informed decisions by asking the right questions before signing on the dotted line.

What Does This Policy Actually Cover?

This might seem like a no-brainer, but it’s a good place to start. Not all auto insurance policies are created equal. Some only cover liability, while others include comprehensive and collision coverage as well. Understanding what’s included and what’s optional can help you avoid surprises later on.

How Are Claims Handled?

You don’t want to wait until an accident happens to find out how your insurer handles claims. Ask about the claims process. Is it easy to file? How quickly do they respond? Will you have a dedicated agent or be routed through a call center?

Are There Discounts Available?

Many insurance carriers offer discounts for features such as safe driving, bundling policies, or having specific safety features in your car. It’s worth inquiring about the discounts you may qualify for. You could end up saving money.

What’s My Deductible and How Does It Affect My Premium?

Choosing a higher deductible can lower your premium, but it also means you’ll pay more out of pocket if you need to file a claim. Make sure you’re comfortable with the balance between upfront costs and monthly savings.

At Insurance Center of Green Valley in Green Valley, AZ, we take the time to answer your questions and find the right policy for your driving needs. Reach out today and let’s make sure you have the coverage you need.

Non-Drivable Vehicles

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When you drive a car in Arizona, you are required by law to have auto insurance. Many drivers have questions about their auto insurance policies. If you live in the Green Valley, AZ area, our team at Insurance Center of Green Valley invites you to visit our office to discuss your questions. We’ve been serving clients in your area since 1989.

What to Do with Non-Drivable Vehicles

If you own a temporarily non-drivable vehicle, you can remove it from your auto insurance policy for an extended period. This also applies to vehicles placed in storage, according to the Arizona Motor Vehicle Division. To remove a car from your insurance policy, you must notify the Arizona DMV.

You can notify the DMV by visiting the Arizona DMV website and logging into your account. Once the vehicle becomes operational again or is removed from storage, you must reinstate your insurance for that vehicle. After paying the premium, your insurance company will notify the DMV, allowing you to resume driving with valid insurance. Please note that your insurance coverage will not be considered active until your insurance company confirms the reinstatement with the DMV.

Contact Us Today for Assistance

Don’t risk driving without auto insurance. Our team at Insurance Center of Green Valley offers a wide range of auto insurance options to fit your budget and coverage needs. Drivers in the Green Valley, AZ area trust us for professional insurance advice and exceptional service. Call us today to schedule an appointment, and let us help you find the right auto insurance solution.

Does my insurance cover single-vehicle accidents?

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Single-vehicle accidents account for nearly half of all motor vehicle fatalities nationwide. While most single-vehicle accidents are not severe, they are quite common. Given their frequency, Arizona drivers must understand how insurance companies handle single-vehicle accidents and what steps to take if they are involved in one. If you have auto insurance requirements and reside in or near Green Valley, AZ, reach out to the Insurance Center of Green Valley to secure the coverage that fits your needs.

Assigning Fault in Single-Vehicle Accidents

Arizona employs the at-fault method to determine responsibility for both single- and multi-vehicle accidents. Drivers involved in single-vehicle accidents are not always deemed at fault. Depending on the circumstances, the driver may be found not at fault (0%), partially at fault (1-99%), or entirely at fault (100%).

Apart from the driver, several other factors can contribute to a single-vehicle accident, including:

  • Obstacles or animals on the road
  • Poor road conditions, such as potholes
  • Adverse weather conditions like rain, fog, ice, snow, and wind
  • Obstructed or hidden street signs
  • Other vehicles negligently entering your lane or path, causing you to swerve or lose control
  • Vehicle issues due to errors by service technicians or vehicle manufacturers

Typically, each at-fault party is assigned a percentage of responsibility for the accident. As Arizona operates under the pure comparative negligence system, each at-fault party pays for the liabilities in proportion to their percentage of liability.

If you are involved in a single-vehicle accident, it’s important to obtain a police report and safely capture pictures or videos that document the factors leading to the accident.

The Insurance Center of Green Valley Advantage for Arizona

If you reside in or near Green Valley, AZ, our team at the Insurance Center of Green Valley will assist you in obtaining the auto insurance you need. Call us at (520) 648-1150 to schedule an appointment.

Understanding Vehicle Fires and Insurance Coverage

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Vehicle fires seem to be more common than in the past. Sometimes, the cause is the car’s design, but poor maintenance can also become a fire hazard. Your auto insurance covers vehicle fires that may occur. At Insurance Center of Green Valley in Green Valley, AZ, we help vehicle owners acquire the insurance coverage they need to avoid expensive losses.

Common Causes of Vehicle Fires

Mechanical or electrical failures cause most vehicle fires. Fuel leaks and frayed wires are often at fault. Electric batteries and overheating catalytic converters can cause fires. Spilled fluids in the engine can sometimes ignite. A vehicle crash can start a fire. In some cases, a design flaw in the vehicle itself can lead to a fire.

Steps You Should Take When A Vehicle Fire Occurs

If your vehicle suddenly ignites, you should get out of traffic as quickly and safely as possible. Turn off the engine, and get everyone out of the vehicle. Move everyone at least 100 feet away from the vehicle. Call 9-1-1. If you suspect the fire is in the trunk or under the hood, do not open it. Do not try to fight the fire yourself. Contact your insurance agent to file a claim when the fire is under control.

Choose Insurance Center of Green Valley for Your Auto Coverage

If you have questions about your car or truck coverage, our agents can provide detailed information to help you make the best decisions for your needs. We offer many insurance products for our clients, including home, auto, and business insurance. Contact Insurance Center of Green Valley in Green Valley, AZ, for a no-obligation quote on vehicle coverage that can help defray costs when a fire occurs.

Is It Time to Update Your Auto Insurance Policy?

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If you can’t remember the last time you updated your vehicle’s coverage or if it’s been over a year, it’s time to review your policy with an agent. At the Insurance Center of Green Valley, we can help you secure the right coverage for your needs by updating your current policy or finding a new one. If you’re in the Green Valley, AZ, area, contact us, and let’s discuss your auto insurance policy today.

Update After a Vehicle Change

When you change vehicles, it is essential to update your auto policy. Incorrect vehicle information on your insurance can leave you improperly covered. Informing us about your new car, truck, or SUV ensures that you always have adequate coverage.

New Drivers Necessitate Important Updates

Another reason to update your coverage is to add a new driver. Perhaps your child has turned 16 and started driving, or you have a new family member moving into your home. New drivers should always be added to your policy for everyone’s protection.

Moving Requires a Policy Update

If you move to a new home, whether renting or buying, you’ll want to update your policy. Coverage options can vary by location, and you want to ensure you have the right type and level of coverage for your new location.

Let Us Help You Update Your Policy

If you live in the Green Valley, AZ, area and need to update your auto insurance policy, contact us at the Insurance Center of Green Valley today. We can help you make important changes to your coverage or find a better-fitting new policy. Contacting us can provide you with quality coverage and peace of mind.

The Advantages of Bundling Auto Insurance in Green Valley, AZ

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Choosing to bundle your auto insurance with other policies you already have is a practical way to streamline cost savings and coverage. Combining different policies under one provider can also offer unique, more appealing benefits than standard insurance policies. At Insurance Center of Green Valley, we’re here to help residents of Green Valley, AZ, maximize their insurance benefits while assisting our clients with bundling solutions.

Benefits of Bundling Insurance Policies

Bundling your auto insurance policy with other policies you already have, such as a homeowner’s policy, can offer numerous advantages, such as:

  • Cost Savings: One of the most attractive aspects of bundling your insurance policies is the ability to reduce the cost of your insurance premiums significantly. Streamlining and bundling insurance policies can also make it much easier to submit and process efficient payments on time.
  • Management Simplification: Tracking multiple policies can be tedious, confusing, and time-consuming. Bundling offers streamlined communication for all insurance inquiries and questions along with aligned renewal dates, simplifying the process of inspecting, reviewing, and/or updating any policies you have each year.
  • Comprehensive Solutions: Comprehensive insurance solutions can protect all aspects of your life with customizable packages, including homeowner’s and auto insurance and umbrella insurance options. You can also reduce the risk of potentially overlapping or having insufficient coverage with gap-free protection.

Anyone living in Green Valley, AZ who owns a vehicle may want to consider the benefits of bundling their auto insurance with any other insurance policies they currently carry. Bundled policies ensure that residents in the area are fully prepared for weather-related incidents, accidents, and life’s unpredictability. To learn more about bundling auto insurance in Green Valley, AZ, contact the Insurance Center of Green Valley for your quote today.

What’s the Difference Between Full Coverage Auto and Liability Only?

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When you acquire a car, one of the first and most crucial decisions you have to make is what type of insurance to get. Auto insurance is a requirement in almost every state, but the type of insurance you choose depends on several factors.

At the Insurance Center of Green Valley, servicing Green Valley, AZ, we can help you make that decision. The type of auto insurance you choose should depend on your budget, how you paid for your car, and other factors.

Understanding Full Coverage Auto Insurance

Full coverage auto insurance is a type of auto insurance that pays to repair your vehicle in the event of a collision, regardless of fault. Full coverage auto insurance also pays to repair the other driver’s vehicle if you are at fault in a collision. Other benefits include:

  • Roadside assistance: This type of car insurance will pay to send assistance if your car breaks down.
  • Coverage for various types of damage: Full coverage auto insurance will pay to repair or replace your car if it is damaged by fire or other covered events.
  • Theft coverage: If your car is stolen, full coverage auto will pay to replace it.

If you borrowed money to buy your vehicle, your lender may require this type of insurance. Many people who buy a brand-new vehicle want this type of insurance because the cost of replacing a brand-new vehicle when damage occurs can be very high.

What Is Liability Only Insurance?

Liability-only auto insurance is a type of insurance that will pay to repair or replace the other driver’s car if you are at fault in a collision. This is the minimum type of insurance required in most states. If you didn’t borrow money to buy your car, liability is the only option you can choose.

Which Type of Auto Insurance Is Right For You?

Need help deciding which type of insurance you should get? The professionals at the Insurance Center of Green Valley, servicing Green Valley, AZ, can help. Call today.

Auto Insurance Coverage – Your Responsibilities When Traveling

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Before embarking on your travels this season, ensure that your automotive insurance is current. Use the tips below to handle your responsibilities.

Ensuring Adequate Liability Protection

The first thing to determine is if your automotive insurance policy provides enough liability protection. Long road trips that require driving down congested roadways could increase the likelihood of being involved in an accident. Liability coverage will protect you if you are at fault in a fender bender. If you are going to be traveling in a region that you are not familiar with, you may be concerned about the risk of an accident. Increasing the amount of liability protection you have will provide you with peace of mind.

Considering Collision Coverage

You may be unable to handle the cost of repairing your car if you are involved in an accident. Your liability coverage won’t pay for out-of-pocket expenses for which you are responsible. You may want to add collision coverage to your automotive insurance policy.

Insuring Towing Essentials

You are responsible for ensuring the towing essentials you will need while driving your car during a vacation. If you tow items behind your vehicle, the trailer, trailer hitch, and lights used for towing purposes should be covered by your automotive insurance policy. Seek insurance add-ons that will equip the towing essentials with adequate protection. The coverage will protect against damage and theft.

Upgrading Insurance

If the assessment you complete convinces you that you do not have enough automotive insurance coverage, contact an agent who serves Green Valley, AZ. An agent from the Insurance Center of Green Valley will conduct a personalized consultation. After the consultation, they will recommend insurance products that will provide protection when you are traveling in your vehicle.

Auto Insurance: For Protection On and Off the Road

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Roadway accidents are unfortunate daily occurrences. While none of us anticipates being in an accident, we all know auto accidents are frequent. This awareness, alongside the need to safeguard yourself and your vehicle against potential risks, prompts people from the Green Valley, AZ, area to rely on the proven, friendly, and professional team at the Insurance Center of Green Valley for their auto insurance needs. The road can indeed be a scary place.

Protection On and Off the Road

The Arizona Department of Transportation reported 122,247 accidents in the state in 2023. That number represents at least 122,247 strong reasons to have the right auto insurance. What these reports don’t reflect, however, are damages and repair claims filed for auto accidents that happened off the roadways.

Fortunately, with the correct protection for your vehicle, you can secure it against accidents on the roads and in your driveway. Have you ever experienced someone misjudging the depth of their garage? Auto insurance can help in such situations, emphasizing the importance of the right insurance partner.

Auto Insurance Solutions in Green Valley, AZ

If you need auto insurance solutions or have queries about car insurance, our experienced and knowledgeable team at the Insurance Center of Green Valley is here to help. Contact us to learn more and schedule an appointment today with the Insurance Center of Green Valley to cater to your coverage requirements, both on and off the road.

Reasons Your Auto Insuance Can Be Cancelled

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Understanding Your Auto Insurance Responsibilities and Rights in Arizona

As Arizona auto owners, we have a responsibility to secure auto insurance. If you’re looking for an auto insurance policy and live in the Green Valley, AZ, area, our experienced agents at the Insurance Center of Green Valley are prepared to assist. We have over 35 years of experience serving clients in this area and can answer all your auto insurance questions.

Once you buy your car insurance, keeping it in force is crucial. According to the Arizona Department of Insurance and Financial Institutions, after 60 days, there could be reasons why your policy can be canceled. For instance, your policy can be canceled if your premium is not paid or your driver’s license is revoked. If you registered your car as a passenger vehicle but began using it for business purposes, it might also lead to cancellation.

Possible Reasons for Policy Nonrenewal

Your auto insurance company might refuse to renew your policy if you move to a state other than Arizona. According to Arizona law, your policy can be nonrenewed for any reason except race, age, or skin color. The company also can’t refuse to renew based on religion or gender identity.

If your policy is canceled or nonrenewed, and you believe the cancellation was unjustified, you have the right to lodge an objection to the state Director of Insurance. You must raise this objection within ten days of receiving your cancellation notice. You can state why the cancellation was unfair and include any supporting documentation.

Get in Touch Today for an Appointment

Driving a car carries the risk of encountering a reckless driver who could cause an accident and damage your vehicle. Be prepared for any eventuality by securing the right auto insurance policy. Residents of Green Valley, AZ, can find knowledgeable agents at the Insurance Center of Green Valley. Call us for an appointment today, and drive confidently, knowing you’re adequately protected.