What You Need to Include in Your Auto Insurance

Getting an excellent car insurance policy requires understanding precisely what you need for your Green Valley, AZ coverage. Our team at Insurance Center of Green Valley needs a handful of documents to help set up your policy, which will include many levels of coverage.

Documents You’ll Need

Typically, you’ll need to present information like your driver’s license, Social Security number, bank information, warranty, insurance information (if available: not always at the time of purchase), vehicle information (VIN and more) and general personal data, like phone number, etc.

Once you get set up in this way, you can start looking for an insurance policy. You’ll get to work directly with your agent to discover various coverage options that make the most sense for you. Let’s break down a few of these ideas to get an idea of which is right for you.

Coverage You’ll Need

Protecting yourself from serious accidents requires utilizing a variety of different policy types. You can add a variety of elements to your insurance to keep yourself safe. They should include:

  • Basic liability to protect you from lawsuits
  • Damage protection for your vehicle’s needs
  • Medical payment coverage if you get hurt
  • Disaster or replacement protection to replace your car

Talk to your insurance provider to identify the best options for your needs. In this way, you can avoid complex claims and other issues that may affect your policy.

Make Sure You Get Insurance Handled Properly

If you need car insurance in Green Valley, AZ, and aren’t sure where to start, call us at Insurance Center of Green Valley to learn more. Our team of professionals has the ability to identify significant policies that work for you and will do what they can to help ensure you are satisfied.

Keeping Your Auto Insurance Up to Date

The dangers of car accidents in Green Valley, AZ make it essential for residents to keep their insurance up to date. Talk to us at Insurance Center of Green Valley if you need to take any of these steps to keep your policy current and as high-quality as possible.

Set Up Automatic Payments

Talk to your insurance provider to set up automatic payments. Doing so helps to minimize the risk of lapses that may occur if you miss your payments otherwise. Always make sure that you have enough money in your account by budgeting carefully and knowing what to expect in this situation.

Understand Legal Changes

At various times, states change their insurance laws in ways that may affect you. Pay attention to these changes and do what you can to upgrade your policy. For instance, you should talk with your provider to see what changes you need to make and do what you can to minimize any mistakes.

Add New Drivers

Do you have teens who may end up driving your vehicle? Talk to your policy provider about what you need to do to add them to your protection. In most cases, people in your house are implicitly covered. However, you can also add your teen’s vehicle to your insurance coverage to protect them.

Expand Your Protection

Don’t hesitate to improve your policy by adding new types of coverage. For instance, you can add various types of accident protection and even comprehensive policies to protect you in case of more severe and long-term vehicle damage issues.

Take Control of Your Insurance

Protect your vehicle and your family in Green Valley, AZ, by calling us at Insurance Center of Green Valley right away. We’ll do what we can to ensure that your policy extends as far as necessary and will take the time to work with you and your family.

Your Auto Insurance: What Is Not Covered

Car accidents in and around Green Valley, AZ, frequently happen and can be very upsetting. For example, you may discover things that your standard car insurance policy does not protect. Here are a few things we at Insurance Center of Green Valley can help you better understand.

Belongings in Your Vehicle

Like most people, you probably have many belongings in your vehicle at any time. Unfortunately, these items are typically not covered by your policy. Things that might get damaged include sporting equipment, electronics, laptops, and anything else that you have stored in there.

Natural Damage

Carefully read your policy to see what kind of natural damage may be covered. Some procedures will protect against specific types of natural wear. But if these disasters are not explicitly listed in your policy, you won’t be protected. Seriously considering adding them to avoid problems.

Non-Covered Drivers Handling Your Car

You borrowed your car to somebody who isn’t explicitly listed on your policy (or who doesn’t live at your address, as all who live with you should be implicitly covered), and they crash it. Your insurance does not cover the damage. Be very careful about who uses your vehicle!

Common Wear and Tear

Did your car’s tires wear down to nothing due to everyday use? Your policy will not cover replacement because this is considered ordinary wear and tear. Similarly, any problems caused by wear and tear will not be covered in your policy. So be careful about your policy options here.

Keep Yourself Protected

If you live in Green Valley, AZ and need an excellent insurance policy, contact us at Insurance Center of Green Valley right away to learn more. We’ll help you identify any potential problems with your policy and set you up with one that makes the most sense for your needs.

Does Your Auto Insurance Cover Others in Your Car?

It’s not uncommon for people in Green Valley, AZ, to carpool to work to save on gas and help the environment. But what happens if you get into a car accident? Is your insurance good enough to cover it? Let us at Insurance Center of Green Valley educate you on this critical point.

Specific Coverage Can Help

While your liability policy does not cover people in your vehicle, you can upgrade your policy with more comprehensive options. These policies often include terms like “passenger” or “other people” coverage, so pay attention to the wording when researching your options with your provider.

Critically, you need to add this type of policy to your coverage or upgrade it, as needed, to ensure that you get protection. Here’s what you need to know about making sure other people in your car are covered by vehicle insurance.

How to Get These Policies

If you want protection for people in your vehicle, you can talk to your agent to learn more about the different types of comprehensive policies available for your needs. Then, they will identify an option that makes the most sense for your needs, including payment plans that work for you.

Just as importantly, they will provide coverage for anybody else who may drive in your car. Everybody in your home is implicitly included in this coverage. However, you can also add others to your policy by name, ensuring that they are covered if they get into a crash if they borrow your car.

Take Your Insurance Seriously

If you live in the Green Valley, AZ, area and need insurance that makes sense for your needs, please don’t hesitate to contact us at Insurance Center of Green Valley right away to learn more. Our team will work with you to ensure that you are satisfied and provide the help necessary for your policy.

Making an Auto Insurance Claim: How to Do It Properly

Car accidents happen all the time and can affect many Green Valley, AZ residents in upsetting ways. As a result, it may be necessary to file a claim with us at Insurance Center of Green Valley using the steps below to ensure that you don’t make any mistakes.

Call Your Agent Right Away

As soon as is possible, call your agent and let them know about the accident. Discuss who was driving, which vehicle was involved, when the incident took place, what happened, the name of other involved drivers, their insurance information, and witnesses to the accident (including police).

Talk to the Police

After you call your agent, you can report your accident to the police. While some insurance companies may ask for information about the report before starting the claim process, you can report the incident later to ensure that you get the required information for your needs.

Work With the Adjuster

An insurance adjuster will contact you a day or two after your claim and gather information. Then, they can provide you with a report, including an estimation of the cost of repairs and how much they will cover. You can talk with them about this information to prepare your financial needs.

Receive Payment

Eventually, your adjuster will authorize your final payment and apply it to your account. This step helps to cover any covered costs that you had to pay in the meantime, such as repairing your car. You may also wait until your insurance is approved to get repairs to streamline the process.

Find the Help You Need

Do you live in or around Green Valley, AZ, and need an insurance policy that you can trust? Please call us at Insurance Center of Green Valley right away to learn more. Our team of professionals will work with you to identify your insurance needs and keep your vehicle safe.

The Ways Auto Insurance Protects You

Auto insurance isn’t just something that you can take lightly. However, the best insurance options for Green Valley, AZ auto owners can provide a high level of protection to minimize severe legal and financial concerns. Thankfully, we at Insurance Center of Green Valley can help you with this concern.

Liability Coverage

If you get into a severe car accident, your policy will help. It can provide a myriad of different liability protection options, including:

  • Paying for medical damages for other drives
  • Covering any repair payments, you need to make
  • Minimizing financial lawsuit risks
  • Providing payments for medical costs of those in your vehicle

This type of high-quality coverage will vary depending on your policy and your provider. Make sure that you talk to your insurance agent to learn more about which policy options are available for you.

Repair and Replacement Coverage

When your vehicle gets heavily damaged and needs repairs, your insurance plan should help you repair or replace your car. It will cover any damages caused by accidents or which are otherwise covered in your plan, up to your policy limits, to ensure that you can get back on the road more quickly.

If your vehicle is too damaged to get repaired or if the damages are too high to get quickly and repaired, your policy should pay for the “totaling” cost of yours. They’ll pay to buy you a new vehicle up to the current market value of your car, getting you a replacement as soon as possible.

Find a Policy That Makes Sense

At Insurance Center of Green Valley, we can provide Green Valley, AZ residents and those in the surrounding area with the help they need to keep their vehicles strong. Reach out to us to learn more about the different policy options available for your driver and car owner needs.

Minimizing the Risk of Auto Insurance Mistakes

Green Valley, AZ car owners need an excellent insurance policy to protect themselves from severe financial and legal troubles. However, they may make mistakes that cause complications with their coverage. We at Insurance Center of Green Valley can help you avoid this problem to keep your car safe.

Improper Automatic Payment Methods

Automatic payment is a great way to avoid missing an insurance payment. But if you change your debit or credit card number or don’t have the money in the account, your coverage may lapse. When this happens, you’ll end up having to get a new policy from a high-risk insurance company.

Paying Only the Minimum

States set up a minimum insurance level that all drivers must have on their vehicles. Many drivers try to save money by paying just this minimum—big mistake. If you get into an accident, you might end up paying higher premiums or having holes in your coverage that limit its usefulness.

Registering Under a Parent’s Name

Parents often try to help out their teen drivers by registering and insuring the car in their name when it belongs to and is driven by the teen. This act is called fronting and could result in your claims being denied, your policy canceled, and may even result in legal troubles. Don’t make this error.

Improper Claims

It isn’t unusual for people to make a mistake when filing their claims. They may end up submitting the claim wrong, putting the wrong information on the form, and much more. Pay attention to this possibility and do what you can to minimize its occurrence and keep your insurance proper.

Take Care of Your Insurance

As you can see, making insurance mistakes for your Green Valley AZ vehicle insurance can be problematic but easy to avoid. Call us at Insurance Center of Green Valley to learn more about how we can protect you from this severe concern and keep your insurance strong.

Arizona Home Insurance: How to Protect Your Home From Theft and Vandalism

Having a home means that you have a host of problems that you have to worry about. Two of the biggest risks to your property are theft and vandalism. You can protect yourself against these risks with some updates to your home insurance policy.

You can also take preventive measures at home. At the Insurance Center of Green Valley, we want Green Valley, AZ residents to feel secure in their homes. 

Take these steps to keep your homes secure from theft and vandalism.

Alarm Systems

A monitored alarm system is good for your home insurance, but it’s also a smart move to protect yourself. This is a known deterrent to thieves and vandals, who may strike an alarmed home, but are less likely to do so. 

Put stickers for your alarm company out in the front, sides, and back of your home. Many perpetrators will keep on walking.

Be Neighborly

When you have a good relationship with your neighbor, they will be more inclined to have a good relationship with you. When they see something coming or going out of your home, or even trying to, they will be a good neighbor.

Many good neighbors may call the police for you, or even try to stop a prowler on their own. Find a neighbor you can have on hand for help when you are out of town as well. 

Exterior Lights

Exterior lights and motion sensors are affordable ways to light up the path when you are working on home security. Motion sensors on their own can throw a prowler off and scare them away if a light pops on when they are not suspecting it. 

Add this to your exterior security plan and you will feel more secure with this simple addition.

Update Your Home Insurance

When you are concerned about your home security in Green Valley, AZ, some very affordable preventive measures can buy a lot of peace of mind. Make sure your insurance company knows of your changes. At Insurance Center of Green Valley, we can help. Call us to update your home insurance policy today.

3 Tips to Help You Avoid Auto Accidents

It doesn’t matter how long you have been driving or how many defensive driving classes you have taken, you can literally never be too safe when behind the wheel of a vehicle. That’s why the team of Insurance Center of Green Valley decided to share a few tips with Green Valley, AZ drivers that may help avoid auto accidents.

Keep Your Distance from Other Vehicles

When you follow too closely behind the vehicle directly in front of you, you are increasing the chances of a rear-end accident. In the event this happens, you will need to file an insurance claim with your insurer. By allowing yourself a couple of car links in between yourself and the vehicle in front of you, you will have ample time to stop should the driver suddenly hit their brakes.

Keep an Eye on Your Speed

When you are driving over the posted speed limit, it makes it harder to keep your vehicle under control while also contributing to a significant portion of car fatalities. In addition, it increases your chances of getting pulled over and receiving a traffic ticket. So, rather than speeding to your destination, slow down to keep everyone safe. Consider leaving a little bit earlier, if necessary.

Scan Your Surroundings

It is imperative that you don’t just pay attention to the road and what’s directly in front of you. You must be aware of all of your surroundings, as you never know when a deer may jump out from the woods on the side of the road or a vehicle may speed around you and make a quick improper turn.

Don’t forget to keep an eye on your blind spots and rear-view mirrors prior to switching lanes. In addition, when in a parking lot, watch for cars pulling out and not paying attention. If driving in a residential area, keep an eye out for small children playing.

Whether you need help ensuring you are properly insured or need help filing an auto insurance claim, reach out to the Insurance Center of Green Valley. Our team serves Green Valley, AZ and offers a variety of options that will suit your individual needs and budget.

What Commercial Insurance is Required in Arizona?

Business owners in Green Valley, AZ should consider working with an independent agency like Insurance Center of Green Valley to get a full coverage commercial insurance plan that will protect their business and their employees. 

 If your business operates on a commercial property, maintaining this type of insurance will ensure your protection if there is a storm, natural disaster, or if the property is damaged in any other way. You won’t have to bear the financial burden in this situation because your insurance policy will cover the costs of repair or replacement. 

If you have employees, a worker’s compensation policy is required in Arizona (and most other states). This type of insurance is beneficial if an employee is ever injured on the job. This policy type will typically cover medical costs, lost wages, and more.

Protecting your business with the right amount of coverage is the best way to ensure your company will stay afloat through potential catastrophe and succeed and thrive in Arizona.

It’s a great time to launch a small business, hire employees and contribute to the local and state economy in Arizona. As you look into commercial insurance, it’s important that you are aware of the different options available to you and your business and which you will need. 

For example, if you have company assets including products, machinery, or vehicles that belong to your company, these can also be covered under certain insurance plans. 

If you need clarity, questions answered, or concerns addressed about a business insurance plan, don’t hesitate to contact Insurance Center of Green Valley. Our agents are here to help business owners in the Green Valley, AZ area and can help find a suitable insurance plan for your business.