Arizona Uninsured and Underinsured Motorist Insurance

Posted on by

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.

 

/Arizona-uninsured-underinsured-motorist

Data Backup: Is Your Business Covered?

Posted on by

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.

SLUG: /business-data-backup

Protecting Your Assets with Business Insurance

Posted on by

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!

 

SLUG: /az-business-insurance-types

Homeowners: Reduce Your Premiums by Increasing Your Deductibles

Posted on by

For homeowners, there’s an easy way to lower homeowners insurance premiums that you can use whether you live in Green Valley, Arizona or Boston, Massachusetts: increase your deductibles. If you’re a homeowner, you might be able to save a lot of money on your premiums by increasing your policy’s deductibles.

In most cases, deductibles and premiums have an inverse relationship. As one is increased, the other is decreased. In many cases the difference is significant between premiums when a deductible is raised is significant. Increasing your deductible to $1,000 could lower your premiums by up to 25 percent.

Of course, the exact savings will differ depending on the insurer, specific policy, and initial deductible. Someone who raised their deductible from $100 to $1,000 will probably save more than a person who increased it from $500 to $1,000 (assuming all other factors are equal).

If you’d like to see how much you might save by increasing your homeowner’s deductibles, call us at the Insurance Center of Green Valley. We’re an independent agency, so we can explore how different insurance companies might react to a higher deductible. Often, some insurers give greater discounts than others. We’ll make sure you end up with the insurer that will give you the biggest break for adjusting your deductibles. We are also happy to answer any questions about how this strategy impacts your coverage.

We’ve helped many homeowners in Arizona find policies that provide the coverage they want at the lowest possible prices. Call us today so we can help you too.

URL slug: /homeowners-reduce-premiums-increasing-deductible

How Arizona Homeowners’ Credit Scores Affect Their Insurance Premiums

Posted on by

Insurance companies that offer homeowners in Green Valley, AZ consider many factors when determining policy premiums, including how frequently natural disasters occur in Arizona, the crime rates in Green Valley and the price of the home being insured. Did you know that most insurers also consider your credit score when calculating your homeowners insurance premium? This is both legal and common in the insurance industry.

Your Credit-Based Insurance Score

Your credit-based insurance score is a numerical value that is largely based on your credit score. The higher your credit score is, the higher your credit-based insurance score is and more likely you are to be given the lowest rates on homeowners insurance. If your score is too low, an insurance company may penalize you by raising your premiums.

To improve your credit score, you can:

  • pay your bills on time
  • reduce outstanding debts
  • monitor your credit record for incorrect information

Shopping for Insurance with Good or Bad Credit

Whether you have a good or bad credit score, at the Insurance Center of Green Valley we can help you find an affordable homeowners policy. Most insurance companies consider your credit when calculating premiums, but they all use it differently.

As an independent insurance agency, we’ll compare all the policies available for you and see which ones have the lowest rates. If you have good credit, we’ll look for a policy that rewards that. If your credit record is tarnished, we’ll compare policies that don’t weigh your credit as much. Either way, we can help you find a policy with a low price. Contact us today to see what we can do for you.

URL slug: /arizona-homeowners-credit-affects-insurance

New To Arizona? You’ll Need an Arizona Auto Insurance Policy

Posted on by

Have you recently moved to Green Valley, AZ? If so, let us at the Insurance Center of Green Valley be one of the first to welcome you to the state. As you get settled in, keep us in mind. You’ll soon need an Arizona auto insurance policy, and we can help you find great rates on one.

You’ll Need an Arizona Auto Insurance Policy

If you’ve recently moved to Arizona, you’ll have to register your car with Arizona’s Department of Transportation (DOT), of course. When you go to register your car, you’ll need an insurance policy from an insurer in the state. Unfortunately, the DOT doesn’t accept out-of-state insurance policies.

We Can Help You Find Affordable Coverage

At the Insurance Center of Green Valley, we have a team of independent agents who have helped many drivers find affordable auto insurance that meets the DOT’s requirements. If you’d like, you can use our online tool for a quote. It just asks a few questions and then will pull quotes from several insurers in the state.

Alternatively, you can call one of our agents. We’ll be happy to review your current policy and help you find a similar one.

No matter how you prefer to shop for a new car insurance policy, we’ll make sure you get the lowest possible rates on the coverage you need. We’re an independent agency, so we can compare rates from every insurer in the state and forward the most affordable ones onto you. Before you go to register your car at the DOT, let us help you find an insurance policy that will meet their requirements and fit within your budget.

slug: /new-arizona-auto-insurance-policy

Business Is not Just an Offensive Game

Posted on by

It can be challenging to do business in Green Valley, AZ. Since ours is largely a retirement area, many of the area’s residents needs are minimal. Others have set purchasing habits that can be difficult to change. But it is still important to be aggressive and be innovative in marketing in the 85614 zip code. With over 20,000 residents, there are still plenty of products and services to be sold.

If you have a business in the region, you probably spend significant time considering how you can increase your business and market share. Working diligently and being on the offense is a big part of conducting business in Arizona as it is elsewhere. However, there’s much more to business than just offense. Defense is a big part of it as well.

You play defense when you retain customers by providing exceptional customer service. You need to protect your valuable clients. You also need to protect other aspects of your business.

Business insurance is one of your best forms of defense. It can defend you against large liability claims on your property. It can protect you against financial loss in cases of theft or storm damage. It can even guard you from a loss of income should a calamity occur.

At Insurance Center of Green Valley, we can help you protect your business with a loss prevention policy designed for your particular business. As an independent agency, our insurance professionals can get quotes from multiple providers, assuring you of terrific rates.

For homeowners and auto insurance, you are invited to compare online. Visit our website for free comparative quotes. Once you see what we can save you, we hope you will see us for your business insurance. Contact us soon, and put Insurance Center of Green Valley on your defensive team.

Protecting Your Investment: Essential Business Insurance Components

Posted on by

Green Valley, AZ business is booming, and taking part in lucrative business in the 85614 area code needn’t be difficult. From the city’s prime Green Valley Mall to its Asarco Mineral Discovery Center, culture is always a paramount area consideration. Protecting your business through expansion is important, and maintaining adequate business insurance coverage insures both sustainability and success.

Why Do I Need Business Insurance?

Primarily, business insurance serves its operators: business professionals. If you’re starting a business, or, if you’re planning upon industry expansion, you’ll likely require coverage for unforeseen life events, legal hurdles and other circumstances.

Protecting your business associates, landlords, lenders and stakeholders ensures optimism and trust. Obtaining adequate coverage avoids professional pitfalls while creating liability windfalls. Before selecting customized options through our expansive quote comparison database, however, understanding minimum coverage requirements will guarantee full legality and maneuverability within most business realms.

What is Minimum Coverage?

Minimum business coverage protects you, your clients and stakeholders from monetary and physical harm. Many cities require fundamental business coverage, and its components include:

General Liability Insurance: General liability insurance protects your business from liability losses associated with property damage, claims losses and injury losses.

Property Insurance: Property insurance funds replacements and repairs. It compensates for any lost, damaged or destroyed physical assets maintained through your business.

Workers’ Compensation: Workers’ compensation insurance satisfies your workers’ medical needs while guaranteeing monetary compensation during dangerous or unsteady work environments.

Business Fleet Insurance: Business fleet insurance protects your company’s automobiles while buffering any monetary expenses accrued from losses.

Optimizing Your Coverage

All business are different. Some utilize electronics for services, others feature transportation and repairs during daily operations. When browsing our comparable quotes, consider your business’s needs, and remember to fully protect your assets based on a per-use basis. As your independent provider, we intend to serve local areas effectively, reliably and fairly. Within the business works, protection is mandatory, but comprehensive protection is a successful option.

5 Reasons To Get Quotes On Home Insurance

Posted on by

Green Valley, AZ is known as one of the largest active adult communities in the country. While the population isn’t significant, it is when looking at the percentage of seniors. There are still families that live in the area as well and plenty of things are available to keep people busy, including golf, tennis, shopping, and more.

 

When you’re in the Green Valley 85614 area, it’s important to get quotes on home insurance. You may think that your Realtor or homebuilder has your best interests when they make recommendations, but it’s always a good idea to take matters into your own hands.

 

Learn the Options

 

There are various options that exist for home insurance. You will want to look at what a company offers and how coverage can vary from one company to another.

 

Find the Coverage

 

Coverage can vary on your home in the 85614 area. You may want coverage for collectibles in your home, additional personal injury coverage, and more.

 

Discover the Different Companies

 

You may only know about one or two companies. We can get quotes that include an array of different companies. This will allow you to look at their reputation and find out such things as who pays claims the fastest and who is known for providing the best rates.

 

Make Comparisons

 

Comparisons are a good idea not only for price but to see how much coverage you can obtain on your home so you’re always covered.

 

Get a Good Price

 

You should never pay more for home insurance in AZ than what is absolutely necessary. By getting several quotes, you can see who is offering the best price on the coverage you need.

 

Call our agency today where we can get you quotes for your home in 85614.

Home Ownership In Green Valley: Buying The Right Insurance Policy

Posted on by

Green Valley is a gorgeous city within AZ. While it is to the west of the Santa Cruz River, it is still relatively east within the state. There are a lot of deserts and the air is dry. Homes can vary dramatically, ranging from ranches to townhomes to single family homes in the 85614 area.

 

When you own a home in Green Valley, you have to make sure you have home insurance that protects all that you have. It’s not about a cheap policy. While you want to afford the premium each month, you want to make sure that everything is covered within the policy so you are not out of pocket in the event something happens.

 

For example, carpet may be found throughout your home. If it is damaged, you should be able to file a claim with your home insurance to have it paid for. While all damages to your carpet in 85614 won’t be covered, a majority could. This includes damages due to flood, fire, and mold.

 

Carpet damage is just one of the aspects you want to look at with your home insurance in AZ. You will also want to look at such things as:

 

– Fire protection

 

– Flood coverage

 

– Personal injury

 

– Roof damage

 

– Theft coverage

 

You want your home and your belongings covered and this means you have to look at various aspects of the policy. To ensure you don’t miss something, it’s a good idea to work with an independent insurance agents. We have some of the best agents and can help with your home in Green Valley. Call us today and let us answer your questions and begin finding you quotes for a new policy. We will see to it that you have the necessary coverage.