Author Archives: AgentInsure

What are the Factors that Influence my Auto Insurance Rate?

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In addition to being required by law, many people look ti purchase an auto insurance policy to protect a valuable investment. Auto insurance will help to alleviate some of the financial strain that could accompany having to buy a brand new car. Anyone who has had to insure multiple cars or had to purchase auto insurance in more than one location knows that auto insurance rates will vary. What are the factors that go into determining the insurance rate that someone has to pay? This important information is detailed below.

First, an auto insurance policy will always take into account the driving record of the prospective customer. People who have accrued more speeding tickets or more accidents are more likely to be involved in a car crash that could cost the company money. Therefore, companies will hedge this risk by charging a higher insurance rate.

Next, auto insurance companies will also consider the person’s credit score. A credit score is important because it details the fiscal responsibility of the potential customer. Someone with a higher credit score is more likely to pay their bills on time. The company will reward this score with a lower insurance rate.

Finally, the level of coverage will also influence the auto insurance rate. A liability-only policy covers significantly less than a comprehensive policy and therefore comes at a lower rate. Of course, this sacrifices coverage to save the customer money.

These are only a few of the many factors an insurance company will take into account when calculating an auto insurance rate. For people of the Green Valley, AZ area looking for auto insurance, contact an experienced insurance agent for more information. A professional agent was serving the Green Valley, AZ area will ensure that everyone has the proper policy to meet their needs.

Safety Tips for Teen Drivers

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One of the biggest accomplishments for teens is getting their driver’s license. This can be a very exciting time for them, but stressful for you. How do you keep your teen driver safe? While there is no 100% guaranteed solution, at the Insurance Center of Green Valley, we believe that good communication with your teen driver on safe driving plays a key role in how they react and respond on the open road.

Talking with Your Teen Driver

First, it is imperative that your teen driver knows how dangerous cell phone usage can be while driving. Texting while driving in Green Valley, AZ is against the law for everyone. While talking on the phone is not illegal, it is important to emphasize to your teen that it is still very dangerous, especially for the inexperienced driver.

Secondly, emphasize to your teen the importance of obeying speed limit signs.  Speeding is a major cause of teen fatalities in Green Valley, AZ and throughout the country. When teens speed, they need more distance to stop and have less time to avoid a collision. Even going 10 miles over the speed limit highly increases their chances of a crash.

Finally, talk to your teens about distracted driving. Because they are inexperienced, they do not always notice potential dangers on the road until it is too late. Even simple things like eating, drinking, or changing the radio station can be big distractions.

Communication is Key

Communicate regularly with your teens about safe driving and have a list of rules and expectations. Also, don’t forget to model the rules you set for them. They will be watching. For more information about auto insurance for your teen driver, contact one of the experienced agents at the Insurance Center of Green Valley.

Do You Have the Right Insurance for Your Home or Car? Insurance Center of Green Valley Can Help

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Experiencing a flood, fire damage, or a vehicle accident can be traumatizing and overwhelming dealing with the process of working with your current insurance agency. Working with a professional organization such as Insurance Center of Green Valley serving Green Valley, AZ is a way to get the most out of your insurance policy or assist you with investing in a policy that works for you and your family.

What Insurance Center of Green Valley Has to Offer

Insurance Center of Green Valley, Located in Green Valley, AZ works with clients to determine the best route for purchasing the insurance you require. Whether you are seeking homeowner’s insurance, vehicle insurance, or even commercial insurance it is possible to obtain protection with the assistance of our professionals. It is important to remember the rules and laws in Arizona before purchasing your insurance. All individuals with a license to drive are also required to have valid insurance for their vehicle while operating their motor vehicle. 

Why is Insurance Important?

Having both homeowner’s insurance and vehicle insurance is a way to protect yourself in the case of a home fire or an accident while you are on the road. Insurance on the home or the vehicles you own should always have insurance in order to avoid fault during an accident or losing your home and all items within it without the ability to rebuild or purchase a new home with the proper insurance.

Talking to one of our agents is a way for you to discuss your options in regards to insurance to find a plan that is most suitable for you and your family. Additionally, we help to protect commercial properties with insurance to ensure all assets are protected in potentially dangerous situations such as a fire or complete damage to the building or location of your commercial building. Calling the Insurance Center of Green Valley to receive quotes and the benefits of obtaining insurance for any purpose is a way to gain peace of mind by protecting your property and assets.

 

Will Your Home Insurance Policy Cover Heat Roof Damage?

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In Green Valley, AZ, it isn’t uncommon for temperatures to peak in the high 100s during the summer. This heat can do a real number on your roof and can lead to water leaks that can quickly spread through your home. Does home insurance cover this type of damage? That’s a question that we at Insurance Center Of Green Valley are prepared to answer.

How Heat Damages Roofs

Although most roofing tiles are strong enough to withstand severe Green Valley, AZ heat, it can still be damaged in a rather roundabout method. Excessive heat causes the tar paper underneath of your tiles to become very dry. This makes it brittle and can even cause it to crack and flake away from your roof. When this happens, your tiles will have cracks around them that will let in water.

Unfortunately, when rain finally does comes to the state, it will then wash through these cracks and severely damage your roof. This is especially true if your roof is nearing 10-15 years old, as this is typically the lifespan of most tar paper. While proper ventilation can help decrease your roof temperature, it may not completely prevent damage.

Will Home Insurance Cover This Damage?

The answer here is a little complex. Most insurance policies won’t cover heat damage caused directly to your tiles, as the impact on the tiles is typically negligible. As a result, most policies just don’t include that kind of coverage.

However, if you notice that the tar paper on your roof is damaged and that your tiles are peeling, excessive heat may be covered, as long as you can prove that’s what caused the problem. Most likely, though, your insurance will only kick-in when your roof is damaged by water, as water damage is covered by most home insurance policies.

Learning More

If you’re worried about the impact that heat will have on your roof, please contact us at Insurance Center Of Green Valley to learn more about how home insurance can protect it..

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!