Car Insurance Agents for Learners Permit Holders in Green Valley, Arizona

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You’re ready to get your driver’s license in Green Valley, Arizona. There’s plenty of natural beauty in this area. However, you need a car to see the stunning desert and absolutely amazing geological features, as walking in the sun is not the wisest choice.

The first step in this process is picking up your learner’s permit. A learner’s permit shows that you passed the written portion of the test required to pick up a license in Arizona. You have the option to start the practical side of the test once you’ve gotten behind the wheel practice. The only catch is, are you properly covered by car insurance when you get in the car?

Some car insurance policies allow another driver to add permit holders to the insurance without much of a hassle. These policies cover the person driving, as long as they are supervised by the adult who is the policy holder. The exact terms of the car insurance varies, so it’s important to know if you’re legal to drive in Arizona.

You may need another policy holder to add you onto the policy as a named driver. If this is your first time getting a license, and you are a teenager, this adds significant cost to the policy in many cases. Let our agents help you figure out the best option for a learners permit driver seeking proper insurance. It’s trickier than simply setting up a new auto insurance policy, so our expert advice helps guide you on the right path. We even have a free online quotes tool so you can look at comparative quotes from different companies, allowing you to choose the option that works best for you.

3 Ways to Light Up Your Home This Halloween

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On October 31, kids will swarm neighborhoods throughout Green Valley, AZ in search of candy. If you have a home in the area, get ready for them to run up your driveway, down your driveway and across your yard in every direction. In addition to buying plenty of candy to hand out, you should also prepare by making sure your home will be well illuminated this Halloween.

Light Up Your Home

Simply making sure there is lighting around your front yard and doorway will help reduce the risk of someone getting hurt. While kids may still not look where they’re running, making sure everywhere they go will help them avoid obstacles on your property. It will also help deter any unscrupulous individuals who would steal something from your home on Halloween night.

To light up your home for Halloween, simply:

  • turn on your home’s porch light and garage light
  • set up jack-o-lanterns so they illuminate walkways
  • string themes lights on trees in your yard

Insure Your Home

Along with lighting up your home, you should also make sure it’s fully insured. After all, lights will only reduce the risk of an accident and deter thieves. They won’t guarantee no one gets hurt and nothing gets stolen.

There are two coverages in particular that you should ask your insurance agent to check. Liability coverage may provide you with protection if someone is injured on your property, and personal property coverage may protect you if something is stolen.

If you don’t have an agent who can help you assess your home insurance policy’s coverages, contact us at the Insurance Center of Green Valley. You can easily reach us through our website, and our independent insurance agents can help you no matter what company your policy’s carrier is.

 

Does Getting Married Really Influence Insurance Rates?

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As children get older, they often dream of getting married. One thing they fail to think about, though, is whether or not getting married will cause their insurance rates to decrease or increase. Truth be known, it can go either way, and it’s solely based on the former driving records that both spouses have. As you can imagine, the cleaner the driving record, the lower the rates will be. Here’s a closer look at how getting married will affect your auto rates and what you can do to keep your rates as low as possible. 

Ask about discounts

For starters, you should ask your insurance provider about any discounts they give for getting married. In addition, ask about multi-car policy discounts. You may find that you are able to slash your rates in half with these two discounts alone. 

Take a look at both driving histories

What does your spouse’s driving record look like? Are there DUIs? Speeding tickets? Accidents? If there are, this is most definitely going to cause your rates to increase if you combine your policy with your spouse’s. To avoid enduring an increase in your rates because of your spouse’s poor driving history, you’ll want to delay combining your policies for as long as possible. 

Be accident free

The best move to make when it comes to keeping your auto insurance rates low is for both you and your spouse to avoid getting in accidents as well as avoid getting speeding tickets. One ticket can cause your rates to increase considerably, and it can sometimes take two to three years or longer for a ticket to be removed from your driving record. 

To learn more about getting married and auto insurance premiums, visit the Insurance Center of Green Valley today. 

Find Out Your Options For Health Insurance As A Student

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When you are a student in Green Valley, you want to know about all of your options for health insurance. The ACA requires you to have a policy, but there are plenty of options to consider.

Where Your Policy Will Come From

Your policy can come from an individual plan, from your family, or from the school. More and more colleges across the country are offering insurance plans, and if you read the fine print, it may already be included within your tuition. Find out how much you are being charged for the health insurance as you may want to get it on your own as opposed to through the school.

The Kind of Coverage You Want

You will have various options when it comes to coverage. You will want to ensure you have health insurance for preventative health as well as when you become sick. Coverage can also include various diseases that you may have now, injuries that you may sustain in school sports, hospital stays, and much more. It should also include dental and vision coverage.

How to Afford a Policy

Insurance companies are going to calculate the cost of your policy based upon your level of health. This means you want to make sure that you are as healthy as possible. The “freshman 15” is a contributor to obesity in America. Many smokers begin at the age of 18, and there is a lot of risky sexual behavior that takes place in college that can lead to STDs. Be aware of the possibilities so that you can avoid them. Additionally, you will want to compare quotes to ensure you are getting the most affordable policy.

Call us today at the Insurance Center of Green Valley to learn about student health insurance coverage. We can talk to you about your options and obtain quotes from multiple insurance companies throughout Arizona.

 

 

Green Valley, AZ: Being Smart about Life Insurance Myths

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It’s never too early to start planning for the future, and one of the best ways to be properly prepared is by investing in life insurance. You’ve likely heard of the many benefits of life insurance, including the ability to provide funds for children’s college tuition, paying off a mortgage, and much more. However, are you aware of the many myths that relate to investing in life insurance? It’s imperative that you are aware of these myths to help ensure you protect the financial future of your family as well as possible. 

You’re too old to invest in life insurance

The younger you are when you buy life insurance, the cheaper your rates will be, most likely. Still yet though, if you wait until you are older to invest i life insurance, you can still find a policy that adequately meets your needs at an affordable rate. The rate probably won’t be as inexpensive as it would have been had you invested when you were younger, but you’re never too old to invest in life insurance. 

Only working parents need life insurance

Sure, having life insurance on the parents who work is ideal because this helps cover their support in the event that they were to become deceased; however, stay-at-home parents should also consider the benefits of life insurance. What if the stay-at-home was to pass away? Who would babysit the kids? How much would this cost? How much would it cost to pay someone to take the kiddos back and forth to school? All of these activities will cost money, and it’s through a life insurance policy that the working parent can have the funds to pay someone to help take care of the kids. 

To learn more about buying life insurance in or near Green Valley, AZ, please contact Insurance Center of Green Valley today.

 

 

 

How To Look Out For Your Pets This Summer

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Someone needs to look out for your pets and if you are their owner, the responsibility falls on you. There are many things that you can do in Green Valley to ensure that your pets are being carefully looked out for, especially during the summer months.

Making sure that your pets have plenty of water is important. This includes whether they are indoors or outdoors. If you take them for a long walk or a trip to the park, be sure that you have a bottle of water to be able to give them. There are plenty of products on the market that ensure that your pets can be hydrated no matter where you go, including collapsible bowls.

Another thing that you can do is cover their feet when they are walking outside. While the grass can be cool, the pavement can be scorching hot. Protect the feet using paw pads or booties. Your veterinarian may even make recommendations based upon the kind of breed that you have.

Know some of the signs for heat exhaustion and overheating for your pet. Some of the most common ones are:

  • Panting
  • Rise in body temperature
  • Dry gums

If your dog or cat has been overheated, wet a towel and lay it across their body. You will also want to cool down the pads on their paws as that is where their sweat glands are located.

During the summer, there are also more bugs and therefore you want to make sure that your pet is on some kind of prevention medication for heartworm, as well as fleas and ticks.

At the Insurance Center of Green Valley, we are here to help you find affordable homeowners insurance in Arizona. Call today and let us begin finding quotes to help you find a policy that you can afford.

 

 

 

Driving to School: Top Tips for Safer Driving

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The most frequently traveled road that your teen will likely use is the one back and forth to school from your house. Because of this, your teen driver should be well-prepared to drive on this road before he gets permission to drive without supervision. Keeping this in mind, you should always let your teen drive to school in the mornings when you drop him off. This way, he’ll gain many hours of driving experience on the road he’s going to travel on a daily basis once he gets his actual driver’s license. Here’s a quick look at a few other tips you can share with your teen driver to boost his driving abilities. 

Avoid driving in hazardous weather

When it gets really stormy outside, it’s usually best to stay off the roads. This is why you should advise your teen driver to avoid driving in hazardous weather whenever possible. Still yet, though, some experience driving in stormy weather is advised. In fact, your teen will need practice driving in the rain before he’s allowed to get his driver’s license. 

Wear sunglasses

When the sun starts glaring through the windshield, this can cause drivers to easily become briefly blinded. With a good pair of sunglasses, though, the glare is greatly reduced, thus improving your teen’s ability to see when driving. If your teen doesn’t have a good pair of sunglasses, you should definitely buy him a pair. 

To learn more about the many tips you can share with your teen to be a better drier, please contact Insurance Center of Green Valley. Providing top-notch tips and affordable insurance, Insurance Center of Green Valley cares about your teen driver. 

 

Arizona Uninsured and Underinsured Motorist Insurance

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Although Arizona has its own mandatory minimum automobile liability requirements, it becomes your choice as to whether you want uninsured motorist (UM) and underinsured motorist (UIM) coverage. Since it’s estimated that up to 30 percent of all drivers on Arizona roads have no insurance, you’ll want to look into obtaining UM and UIM coverage.

Uninsured motorist coverage offers protection in the event that you or passengers in your vehicle are injured in an accident with an uninsured driver. UM also covers you if you’re involved in a hit-and-run accident. It can also protect members of your household as pedestrians, riding a bicycle, or even when they’re in the vehicle of somebody else. With UM coverage, your insurer pays medical bills, lost earnings, permanent disability or disfigurement, and other damages up to your policy limits.

Because the legislature set the policy limits for mandatory insurance so low, many insured drivers don’t really have sufficient coverage. $15,000 of coverage probably won’t pay for a night in the emergency room and a couple of days in the hospital, It’s wholly insufficient if any type of surgery is required. Like UM coverage, UIM coverage also pays compensatory damages.

We’re independent insurance agents and we live and work in and around Green Valley, AZ. We’re honest with you and we will give you objective and unbiased insurance information. Given the economy we live in, people are reducing their expenses as much as possible. One way they’re cutting costs is by not carrying UM and UIM coverage. This could lead to a serious financial crisis if they become the victims of a negligent uninsured or underinsured driver. If you don’t have UM or UIM coverage, you’ll want to add it to your existing policy today. Get a quote online or call us today. We’ll be available.

 

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Data Backup: Is Your Business Covered?

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Small and large businesses alike in Green Valley, AZ rely more and more on stored data to effectively operate. Data includes customer information, employee and payroll data, financial information, inventory details, and vendor information.

If you are not taking steps to regularly back-up this critical information you can be putting your business in jeopardy. Most IT people will tell you it is not a matter of if, but of when you will have data loss. The Small Business Administration says that almost half of small businesses who have between 2 and 20 employees experienced data loss in 2010. If you are unprepared it can be time consuming and costly to recover.

Data loss can be the result of simple software or hardware failure or it could be due to outside forces like lightening or water damage. While business insurance may cover the cost of equipment replacement, you will want to have it reviewed to see if it will cover the cost of reinstalling software and resetting your networks. At Insurance Center of Green Valley, we offer a full line of personal and business insurance products for our area. As an independent agency, we can research the products and prices from multiple providers, finding improved coverage at competitive prices.

We will be happy to conduct a business insurance review with you and will show you where you are and are not covered. We can discuss how and when your business electronics are protected. 

We invite you to visit our website and get an online quote for your homeowners or auto insurance. By answering a few questions, you can be on your way to savings.

Contact Insurance Center of Green Valley and make sure you have the business coverage you believe you do. Computers, electronics, and data are far too important to leave to chance.

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Protecting Your Assets with Business Insurance

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If you have a business or are considering opening a business in Green Valley, AZ, making sure you have appropriate business insurance is critical in protecting your assets. The type of business you operate can impact the type of coverage you may need. Here is a look at some business insurance types.

Commercial General Liability Insurance
CGL typically covers a business from the three types of lawsuit damages most awarded from business activity including compensatory damages, nonmonetary losses suffered by the injured person, and punitive damages.

Product Liability Insurance
Designed for manufacturers and distributors of physical products, this type of insurance can provide coverage from damages as the result from using the products.

Professional Liability
Sometimes called errors and omissions insurance, this product generally protects professionals from malpractice claims.

Employment Practices Liability Insurance
This can cover management and board members from suits related to employment and hiring practices.

Pollution and Environmental Liability Insurance
This can be important for companies that are involved in auto repair, have automotive fleets or are involved in manufacturing. It may cover the cost of clean ups in an environmental spill and any resulting lawsuits.

The Insurance Center of Green Valley serves the personal and business needs of the Green Valley community. We are an independent insurance agency that is not restricted to just offering the products of one company. This gives us the ability to compare rates and coverage from multiple providers, finding the best business and personal coverage at affordable rates.

Visit our website and request an online quote for your homeowners insurance. Answer a few questions and our agents will go to work to find you the best quotes. If you are in search of business insurance, please contact us. We will discuss your business and where you may be at risk. We can then find you coverage you can afford. We look forward to serving you!

 

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