Monthly Archives: October 2015

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.