Protecting Your Car in Green Valley, AZ

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A good vehicle is something that most people depend on.  Given this importance, drivers need to protect their car with the appropriate amount of automobile insurance.  Most states, including Arizona, require that drivers maintain minimum liability insurance.  In essence, this policy will cover an individual if they cause an accident and potentially injure someone.  In does not, however, pay for the repair or replacement of the policy holder’s vehicle.  Minimum liability policies will also cover medical expenses if the policy holder causes an accident that injures someone.  It will not cover the policy holder’s medical expenses.  If the other party’s medical expenses or repairs exceed what is covered by the policy, they may sue the policy holder personally for the additional expenses.  These are all valid reasons to talk with the insurance experts at the Insurance Center of Green Valley about the types of coverage needed. 

Two policies the agents will discuss is collision and comprehensive policies.  For cars that are being financed, the lender will often require these policies to protect their investment.  Basically, collision policies provide the value of the car minus depreciation should it be damaged or totaled.   They can also provide protection if the insured is hit by an uninsured/underinsured motorist.  Comprehensive insurance protects the auto from all other damage that is not related to an accident.  This can include theft, vandalism, fire and weather damage.  Even if the policy holder has medical insurance, it is a good step to talk with the staff at the Insurance Center of Green Valley.  They will be able to provide additional information to help get the amount of coverage needed. 

The staff at the Insurance Center of Green Valley serves the Green Valley, AZ area.  Get a quote online then call them to discuss the available options.  Protecting a car is important and worth getting the needed coverage.

5 Things That Likely Aren’t Covered Under Your Insurance Policy

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Insurance is a tricky topic that attempts to cover a variety of events in one policy. But no matter how large or small that policy is, it’s difficult for anyone to remember exactly what it says about every situation a driver may come up against. The Insurance Center of Green Valley wants everyone in Green Valley, AZ to have a better idea of what isn’t covered under most policies before they make the wrong decision. 

Natural Disasters 

When your car is attacked by a tree branch that has far too much snow or ice weighing it down, do you get ready to call your insurance company to fix the damage? If you have liability only, then you won’t get much help for this. 

Uninsured Motorists 

Did someone hit you and run off, or stick around at the accident site to let you know that they don’t actually have insurance? Most insurance policies will not cover an uninsured motorist.

Underinsured Motorist 

Arizona has limits when it comes to paying out for damages, and so too do the drivers who may hit you. If someone with a $30,000 limit hits you and the damage is $40,000, then you won’t get any help with the difference. 

Rental Car

If your car is hit and in the shop, your insurance policy likely won’t cover a rental car so you can get to work and back. 

Custom Parts 

If you make upgrades to your vehicle (e.g., new stereo, etc), these will likely not be covered in the event of an accident. 

Call Insurance Center of Green Valley in Green Valley, AZ for more details about what’s typically in a policy and what costs a little extra. We’re happy to chat with you today.

Fall Home Checklist: How Arizonans Can Get Prepared for the Changing Seasons

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While Arizona is typically considered a pretty warm place to live, it is not always the case – and this is something that residents of Green Valley, AZ can attest to. And while certainly Arizona is a hotter state than most, it is not without its cooler weather, which rolls along every year beginning with the fall season. One thing that even Arizonans must know about however is that for all of the pleasantries that comes along with the seasonal changes, there are a lot of things that can go wrong with the season to affect them, their bills, and their home. Here is a handy checklist that can help you avoid all three of these things (or at least reduce their negative impact).

  • Firstly check all of your doors and windows – This is paramount, and one of the best ways to face the ugliest parts of the season. If your doors and windows do not have proper insulation to keep your indoor temperature indoor and the outdoor temperature outdoor, it could not only cause you to spend more money, but your woodwork and furniture may be harmed as a result.
  • Check your roof and attic – Roofs can be another troublesome source of cold air and leaks into your home. Make sure that your shingling is in order and that your roof is properly sealed.
  • Check for leak-prone spots – Particularly things like a hose. If your hose is leaking, you want to deal with it fast. While it is relatively rare that it could pose a problem, Arizona has experienced some crazy weather before.

Green Valley, AZ residents who wish to insure themselves against all of these potential risks can contact Insurance Center of Green Valley. We will work to get you the insurance plan that  fits your needs best.

Most Common Claims On Home Insurance

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When selecting the right kind of home insurance for your Green Valley, AZ home, it is a good idea to know what the most common claims on home insurance is. This may help you determine what kind of coverage you need and what fits you the best. At Insurance Center of Green Valley, our agents are here to help you decide, no matter the size of your home or what you’re looking to spend. 

Break-In

This is one of the most common forms of home insurance. While nobody wants to go through with it, having home insurance can help cover the costs of damage and lost items associated with a break in. We can also give you suggestions as to not only reduce the chance of a break in but reduce the amount you pay on insurance through security systems. 

Accidental Damage

Damage to your home is usually accidental. Thankfully there isn’t too much in way of bad weather in Arizona, so the majority of damage will likely come from accidental damage. Whether you’re playing catch with your child and the ball goes through a window to your student driver bumping into the garage door, accidents happen, which is why you need to have the right kind of home owner’s insurance. 

Fire

This by far is one of the most common forms of home insurance. As it is dry for the vast majority of the year in Green Valley, a single spark is able to cause serious problems. Now, your home is made up of more fire retardant materials than a home you’ll find out east. However, a spark from a cigarette, your grill or even rocks clanging against each other during an outdoor project can quickly turn into a fire. Fire damage is a real issue and you need to protect for it with the right kind of insurance. 

3 Reasons to Always Have Commercial Coverage in Arizona

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A type of insurance that confuses many, commercial coverage is a great option for business owners and even self-employed professionals of all kinds. Are you considering purchasing a commercial policy, but need a bit more information before signing on? You’ve come to the right place.

Faster Disaster Recovery

Although Arizona is a relatively safe state as far as cataclysmic natural disasters are concerned, there is always the possibility of something serious an unexpected occurring. No matter if it’s an earthquake or an issue caused by one of your staff members, purchasing commercial insurance will ensure that you have help in place when you need it most.  In other words, there will be considerably less downtime than if you wait until the disaster occurs to find the resources to fix it.

Umbrella Coverage Options

Moreover, with the option to opt for umbrella commercial coverage, you will enjoy the ability to manage all aspects of your business under one policy. To top it off, purchasing umbrella packages also allow for discounted rates. This will not only save you time but it will save you quite a bit of money as well.  

Personalized Coverage

Lastly, no matter what your reason may be for purchasing commercial coverage, a qualified agent can assist you. From protecting your expensive equipment to your employees themselves, personalized coverage will allow you to craft the perfect policy so that you feel comfortable that every facet of your business is safe and secure.

Are you looking for quality commercial insurance in Arizona? The Insurance Center of Green Valley has everything you need. Contact them today and find out how you can save!  

Buying a New Car? Get a Quote Before Deciding on the Type of Car to Get

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Are you looking to purchase a new car in Green Valley, AZ? If so, the price of the car is not the only factor you need to consider when deciding whether you can afford to buy the car you are looking at. Many people do not realize it, but the type of car you buy can have a direct affect on the amount you will pay for auto insurance. In turn, this has a direct affect on your budget and your monthly transportation expenses.

Here at Insurance Center of Green Valley, we know that the type of car you buy can affect your insurance rates drastically. Some cars are more likely to be stolen and stripped, some may be pulled over by police more often and some sustain more damage when involved in minor accidents. All in all, these actions can cost the insurance company more money. And in turn, they will pass the increased cost along to you, the consumer. Due to this, the insurance company will price insurance differently based on the make, model and year you are looking at buying.

If you are looking to buy a new car, take the time to get an insurance quote for the various makes, models and years you are considering. This ensures that you know what insurance will cost and can afford both the car payment and the insurance costs associated with the car. If you are in a hurry to buy that car, contact Insurance Center of Green Valley serving the Green Valley, AZ area for a price quote today!

 

Arizonans Driving Without Insurance: You Could Have More Problems Than the Heat

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If you are driving down Arizona’s highways without insurance, there are two kinds of heat that you can look forward to: the heat that has made Arizona famous, and the heat that drivers can expect for violating the law. Now, we at the Insurance Center of Green Valley understand that violations of automobile insurance laws are not committed through a desire to do so; most often, it is committed either because people are ignorant of it, or they simply are too intimidated to obtain the proper insurance necessary to drive an automobile.

Specifically, drivers on Arizona roads are required by law to have liability coverage – which not only works to protect you from major financial loss as a result of an accident, but to also ensure that potential victims of an accident have this liability coverage made available for them. Having liability coverage may be required, but it is required because having it is a good idea. If a cop pulls you over and he or she finds that your insurance is not up to snuff, you can find yourself in a bad situation – you could be facing fines and maybe even lose your license for a period of time. In addition, residents of Arizona can get additional insurances to provide for stronger coverage. Depending on your circumstances, it may also be advised that you look into getting umbrella coverage to ideally maximize your insurance strength.

Arizonans in and near Green Valley who are still confused about automobile insurance and what it entails may behoove themselves to get a hold of us at the Insurance Center of Green Valley either online or by phone at (520) 648-1150. With our help, you could be enjoying Arizona’s highways sooner rather than later.

5 Reasons You Need Auto Insurance

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A car accident can cost thousands, sometimes hundreds of thousands of dollars. There are medical bills, property damages, and pain and suffering costs that must be paid. Having car insurance can alleviate some of these costs from coming out of your pocket.

  1. Liability for Damages. If you are at fault, you could be paying for damages to property, other vehicles, or any injuries that others may have suffered because of the accident. Whether they were passengers in your vehicle or other vehicles, you will be responsible.
  2. Keep Your Risks Low. Without auto insurance, you are considered a “high risk” driver. Insurance companies will hesitate to give you a policy at a lower rate. You could end up paying twice as much in premiums when you do decide to get insurance.
  3. Total Loss Compensation. Having car insurance will provide you with security in the event that you are in an accident. If the accident results in your vehicle being unrecoverable, insurance may cover the cost of having your vehicle replaced.
  4. Other People’s Mistakes. You may be an impeccable driver and always pay attention when you are on the road, but there are many who do not. With the advent of texting and driving, you need to make sure that you keep your insurance up-to-date. Other drivers who are not paying attention may result in damage to you or your vehicle.
  5. Legal Issues. If you are ever pulled over by a police officer, you are required to provide them with your driver’s license and insurance information. Not having insurance can result in citations, fines, and possibly jail time depending on your history.

In Green Valley, Arizona, the Insurance Center of Green Valley is an independent agency that can help you find the right insurance for your needs.

Annapolis, MD Home Insurance Services

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Home insurance is a staple for feeling the confidence we all enjoy in our homes. As first time home owners, it can be mind boggling to read all the papers associated with a home sale, signing here, signing there, and wondering what was that I just signed? Perhaps you’re wondering, do I even need home owners insurance, on top of everything else? The answer is yes. Home insurance coverage lends peace of mind for those incidents that we certainly don’t plan, like a house fire, burglary, or an accident on our property. The costs of these losses can ruin a family’s financial fortune and cause untold emotional suffering as well. What makes a difference in facing these situations is having experienced professional guidance provided by The Insurance Center of Green Valley. Serving the Green Valley, AZ area, The Insurance Center of Green Valley provides the facts home owners need for choosing affordable home insurance coverage, offering options for every budget and housing need.

Experienced home owners will testify to the need for home owners insurance coverage. They’ve been in situations they never expected, and had the opportunity to call their insurance agent for assistance. The agent had the damage assessed, provided information on coverage, and helped the owners receive the repairs or replacement that their coverage provided for. The Insurance Center of Green Valley will help first time home owners and experienced home owners determine their best insurance coverage as well as the most affordable rates available for them. Home is a special place for our families in heart as well as in financial investment. Protect your home with home owners insurance coverage that works for you with The Insurance Center of Green Valley.

 

Why You Can’t Afford to Skip Purchasing House Insurance

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When you buy a home, it’s natural to watch your budget tightly. With all the added expenses, you want to make sure you can handle all the extra debt. One new expense that you should add is the cost of home insurance. Home insurance protects you and your family from uncertainties associated with owning a home.

Home Insurance Protects You from Severe Weather

Heavy rains, strong winds, and sand storms can damage your home in Green Valley, AZ. From damage to the fascia of your home to flooding, you may find that you have to make repairs following a storm in the area. Home repairs can be a significant expense if you have to foot the bill alone. Fortunately, with home insurance, you may not be alone. Your insurance company could help you cover the cost of repairing your home depending on the terms of your home insurance policy.

Home Insurance Helps Protect Your Personal Belongings

Another benefit of maintaining home insurance that isn’t obvious is protection for your personal belongings. Although home break-ins are decreasing, becoming the victim of a home invasion is still a possibility. Thieves can enter your home and take your electronics, family heirlooms, and other valuable items. In instances of home invasions, it’s expensive to replace these goods on your own. However, armed with a home insurance policy, you may find that you have the coverage you need for your insurance company to cover the bill.

Protect Yourself from Liabilities with Home Insurance

In general, home insurance policies cover liabilities that you are responsible for on your premises. Of course, the level of coverage offered for legal issues concerning liabilities will depend on the type of coverage you have with your insurance company. However, with coverage for liabilities, you don’t have to worry about taking out a loan or dipping into your savings to cover the cost of a lawsuit.

At Insurance Center of Green Valley, we understand the value of home insurance. With the potential to sustain significant losses on any given day, it’s nice to have an insurance company as your financial partner. If you need more information about home insurance, please visit our website to learn more.