Homeowners: Reduce Your Premiums by Increasing Your Deductibles

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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.

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How Arizona Homeowners’ Credit Scores Affect Their Insurance Premiums

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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.

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

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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.

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Business Is not Just an Offensive Game

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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

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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

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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

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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.

Do I Need Classic Car Insurance For My Antique?

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Green Valley, AZ 85614 is a relatively small city in the state. It is characterized by desert and found just west of the Santa Cruz River. There are various things to do throughout the area, including boating, hiking, shopping in farmer’s markets, and going to health spas.

If you have an antique, you know it’s not like other cars. It’s a collectible and therefore worth a whole lot more than what it originally sold for. This is why it’s important to look for classic car insurance.

The main difference between classic car insurance and traditional is how they are going to value an antique. You don’t want an accident to occur in Green Valley and have the insurance company give you the amount of what the car sold for in the 1970s minus depreciation because you wouldn’t be given much money at all. Instead, you want the actual value of the car and that gets more complicated to calculate because of its collectible status.

We have insurance agents that can help you in Green Valley, AZ. We will look at such things as:

– The make/model/year of your car

– The condition the car is in

– How you store your car in 85614

– How many miles you drive it a year

All of these details will go into getting you a classic car insurance policy. We will take the time to get you multiple quotes and compare and contrast the different aspects of all of the policies.

Insurance designed for an antique car is a must so you have the necessary level of protection to make a repair or replacement in the event it is damaged. Call our agents today and let us help you through the process of buying an affordable policy.

Can My Clear Coat Become Damaged In Green Valley?

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Green Valley, AZ is known as the most active adult community in the country. There are a number of retirement communities throughout the area, though the population consists of families and singles as well. With a population of around 10,000, there are plenty of people and plenty of things to keep busy, including countless spas and golf courses.

When you’re in the 85614 area of Green Valley, it pays to know about hail damage so you can purchase adequate car insurance. There are going to be snow and rain storms where hail can come down and cause some damage. If your car is out during the hail storm, the clear coat on your car could be nicked.

When the clear coat is damaged, it allows the paint to wear away and rust to form. If you don’t get it repaired, the car can slowly lose its lustrous appearance.

If you purchase comprehensive car insurance along with what is required for liability in the state of AZ, you can be protected. This way, should you notice damage to your clear coat, you can file a claim with your car insurance company and know that it will be taken care of.

Hail damage can be relatively common in Green Valley and therefore you have to think about how your policy can be written to provide protection. If you go simply with what’s required by the state, you won’t be able to file a claim from hail damage and this means all repairs in 85614 would come out of your pocket.

We have agents to help you when you live in the 85614 area. Call us today and let us find you various insurance quotes to help with the comparison process. Affordable insurance to protect your car is available.

Life Insurnace for Your Family, Your Legacy

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Green Valley, Arizona is cozy retirement community just about 20 miles south of Tucson. It seems like many days you see more golf carts than cars on the streets and many settle here because of the arid climate. As local independent agents we are proud to serve the area with a line-up of some of the industry’s best insurance products including life insurance, auto insurance, homeowners insurance and more.

In fact, if you are searching to compare homeowners or auto insurance rates, we invite you to try our online system to get some of the best quotes from multiple companies. After filling out the online form, in minutes you’ll be able to view rates and coverages from several companies competing for your business. It is convenient and can save you money!

If you haven’t considered the value of life insurance recently, let us encourage you to do so. There are certain tax advantages of life insurance that your beneficiaries will appreciate. Life insurance is also a way for you to leave a legacy for a favorite charity or nonprofit organization. If you’ve never considered it, talk with one of our professional agents. Let’s discuss how life insurance can play a role in your legacy. We can come up with the best options for you to accomplish this noble goal.

Our agents know life insurance and how it can work to help you achieve your goals. If you would like to set up an appointment, please contact us. Let’s discuss the role life insurance can play for you, your family, and your legacy. It may be more affordable than you realize.