If you choose to use your vehicle to make extra money as a ride-share driver, you must comply with all of the local laws in Green Valley, AZ regarding correctly insuring your car. Be sure to speak with us at the Insurance Center of Green Valley to ensure you are meeting the insurance minimums and protecting yourself and your passengers and customers. Not doing so can make all the difference in terms of financial security.

Understanding Ride-Share Guidelines

Local law requires Uber, Lyft, and other ride-sharing companies to provide mandatory insurance coverage to each driver. The reason for this requirement is simple: It ensures that all parties are covered in the event of a motor vehicle accident. Property damage and liability insurance are both musts, which are critical for covering third-party bodily injury claims. Uninsured and underinsured motorist coverage is also highly recommended.

Of course, that doesn’t mean that individual drivers are not required to have their own personal insurance policies. The state mandates that all Green Valley, AZ residents maintain the minimum liability coverage allowed by law, which is $15,000 per person for bodily injuries, $30,000 per accident for bodily injuries, and $10,000 for any property damage. Whether you are a ride-share driver or not, these are the absolute minimums required to drive any automobile in the state.

The ride-share company’s coverage only takes effect when you actively use your vehicle to pick up and transport passengers acquired through their respective platforms. The good thing about the added protection is that the coverage is much broader and may cover liability costs of up to $1 million per accident, in addition to comprehensive collision coverage for any property damage sustained.

Reach out to the Insurance Center of Green Valley

As a ride-share driver, you may also consider purchasing additional insurance to ensure gaps in your coverage. Remember, policies may vary, and you can’t always be sure you are covered in all situations. That is why it is always best to speak with a local insurer. At the Insurance Center of Green Valley, we always have your best interests at heart. So, please stop in and speak with us at any time!

When you own a vehicle in Arizona, the state mandates that you should have an acceptable auto insurance policy. All Arizona vehicle owners are required to have it and to have proof of that insurance. You can’t register a vehicle in the state without auto insurance. There are minimum coverage amounts that must be in your auto policy, but you can add extra coverage as well to have better protection against serious accidents. 

Liability Coverage

In Arizona, two types of liability coverage legally have to be in your auto insurance policy. These are bodily injury and property damage liability. There are two amounts required for the bodily injury portion of the policy. These are one amount for just one injured person and a different amount that’s available for all of the people who are injured. The mandated coverage amount is a bit low when you consider the skyrocketing costs of medical bills, so it’s often recommended that you add to the mandated amounts. In addition, you must have one amount that is for property damage. This pays for the damage an accident causes to the other vehicle or any other damaged property of someone else’s. This is also a relatively low amount of coverage that should be supplemented with more. 

Other Auto Coverage

Liability coverage types pay for someone else’s bills, but what about your own bills? You may have significant damage done to your own vehicle, or it may even be totaled. To get coverage for those bills, you need collision coverage. You will also want comprehensive coverage if you want to protect it from things that happen to the vehicle when you aren’t driving it. 

Get Auto Insurance

Call us at the Insurance Center of Green Valley in Green Valley, AZ to get your auto policy. 

As environmental concerns continue to grow in the Green Valley, AZ area, many individuals seek ways to reduce their carbon footprint and make eco-friendly choices in various aspects of their lives, including their vehicles. You might want auto insurance options that align with your environmentally conscious lifestyle. 

Pay-Per-Mile Insurance

Pay-per-mile insurance is a usage-based insurance model that caters to eco-conscious drivers. This type of policy charges premiums based on the number of miles you drive, which can encourage reduced driving and, consequently, lower emissions. It’s a win-win situation for environmentally conscious individuals who want to save money and reduce their carbon footprint.

Eco-Friendly Add-Ons

Some insurance companies offer additional coverage options catering to eco-friendly car owners. For instance, you might find coverage for charging station reimbursement if you need to charge your electric vehicle while on a trip. 

Paperless Policy Management

Going paperless not only reduces clutter but also supports sustainability efforts. Many insurance companies now offer digital policy management options, allowing you to access your insurance documents, bills, and communication online. By choosing this eco-friendly approach, you can reduce paper waste and contribute to a greener environment.

Green Initiatives and Corporate Responsibility

When choosing an auto insurance provider, consider their sustainability and environmental responsibility commitment. Some insurance companies engage in green initiatives, such as carbon offset programs. Supporting companies with eco-friendly values can further align your insurance choices.

Insurance Center of Green Valley Can Help You

At the Insurance Center of Green Valley, we can answer all your questions concerning auto insurance. We assist the Green Valley, AZ. Contact us today. 

The Insurance Center of Green Valley is an auto insurance provider in Arizona. If you own a vehicle in Green Valley, AZ, we can insure your vehicle. 

When you’re in the market for auto insurance, you should be aware of the challenges that could come up when you buy a policy. Below are four challenges you may face when you purchase auto insurance. 

Deciding which coverage types to purchase

When you explore your coverage options, you’ll see that there are a few coverage types from among which you can choose. Decide if you want to buy only liability coverage or additional coverage types like collision and comprehensive coverage. 

There are other options available, like uninsured and underinsured motorist coverage. You should know these coverage types and decide if you want them before buying a policy. 

Understanding all the options available to you

Find out which insurance companies offer auto coverage in your area. This way, you know who to consult when looking for policy quotes. 

Knowing how much coverage you need

You’ll be able to choose between different maximum coverage amounts. You should invest in more than minimum liability coverage to protect yourself in a lawsuit. You should also invest in gap insurance on your collision and comprehensive coverage if you are still making payments on your auto loan. 

Planning ahead for auto insurance payments

Plan out your monthly budget and factor in your auto insurance payments. Setting up auto payments can help ensure you don’t overlook any upcoming auto insurance payments.  

Motorists in Green Valley, AZ can contact us at the Insurance Center of Green Valley for assistance. Are you ready to get a quote on a policy? Give us a call today to explore your options. 

When you own a car in Arizona, it’s required for it to be covered by auto insurance. You must have proof of your auto insurance policy and have it available. Not having your vehicle insured can come with fines and fees and jeopardize your vehicle’s registration. If you don’t have the auto policy you need right now, call us at the Insurance Center of Green Valley in Green Valley, AZ. 

Liability Coverage Types

Two types of liability coverage are required in Arizona. The first one is bodily injury liability coverage. This type pays for the medical bills that others have in an accident that’s your fault. This comes in two different amounts. The first is a specific amount of coverage when one person is injured in an accident. Then, another amount has to be in place for everyone with injuries. The second type of liability coverage you have to have is property damage liability. This pays for the other party’s vehicle damage and any damage to buildings, landscaping, etc. In Arizona, all of these minimum amounts are relatively low. It’s generally recommended to get more than the minimum. 

Uninsured and Underinsured Motorists

Coverage for uninsured and underinsured motorists must be added to your auto insurance. However, you can talk to your insurance agent to remove these from your insurance. It’s generally recommended that you keep them, as accidents with these motorists are common, but you don’t have to leave these coverages on your policy. 

Get Auto Insurance in Arizona

If you aren’t sure how much auto insurance you need, call us at the Insurance Center of Green Valley in Green Valley, AZ.