If you are driving down Arizona’s highways without insurance, there are two kinds of heat that you can look forward to: the heat that has made Arizona famous, and the heat that drivers can expect for violating the law. Now, we at the Insurance Center of Green Valley understand that violations of automobile insurance laws are not committed through a desire to do so; most often, it is committed either because people are ignorant of it, or they simply are too intimidated to obtain the proper insurance necessary to drive an automobile.

Specifically, drivers on Arizona roads are required by law to have liability coverage – which not only works to protect you from major financial loss as a result of an accident, but to also ensure that potential victims of an accident have this liability coverage made available for them. Having liability coverage may be required, but it is required because having it is a good idea. If a cop pulls you over and he or she finds that your insurance is not up to snuff, you can find yourself in a bad situation – you could be facing fines and maybe even lose your license for a period of time. In addition, residents of Arizona can get additional insurances to provide for stronger coverage. Depending on your circumstances, it may also be advised that you look into getting umbrella coverage to ideally maximize your insurance strength.

Arizonans in and near Green Valley who are still confused about automobile insurance and what it entails may behoove themselves to get a hold of us at the Insurance Center of Green Valley either online or by phone at (520) 648-1150. With our help, you could be enjoying Arizona’s highways sooner rather than later.

A car accident can cost thousands, sometimes hundreds of thousands of dollars. There are medical bills, property damages, and pain and suffering costs that must be paid. Having car insurance can alleviate some of these costs from coming out of your pocket.

1. Liability for Damages. If you are at fault, you could be paying for damages to property, other vehicles, or any injuries that others may have suffered because of the accident. Whether they were passengers in your vehicle or other vehicles, you will be responsible.
2. Keep Your Risks Low. Without auto insurance, you are considered a “high risk” driver. Insurance companies will hesitate to give you a policy at a lower rate. You could end up paying twice as much in premiums when you do decide to get insurance.
3. Total Loss Compensation. Having car insurance will provide you with security in the event that you are in an accident. If the accident results in your vehicle being unrecoverable, insurance may cover the cost of having your vehicle replaced.
4. Other People’s Mistakes. You may be an impeccable driver and always pay attention when you are on the road, but there are many who do not. With the advent of texting and driving, you need to make sure that you keep your insurance up-to-date. Other drivers who are not paying attention may result in damage to you or your vehicle.
5. Legal Issues. If you are ever pulled over by a police officer, you are required to provide them with your driver’s license and insurance information. Not having insurance can result in citations, fines, and possibly jail time depending on your history.

In Green Valley, Arizona, the Insurance Center of Green Valley is an independent agency that can help you find the right insurance for your needs.

Taking proper care of your car requires so much knowledge and attention to detail. Tracking routine maintenance, getting mileage related services and even choosing the right gas will keep you on your toes if you want your car to last. When it comes to selecting fuel, a little understanding can go a long way. This quick guide will explain the differences in gasoline ratings so you can make informed decisions that keep your car running at its best.

The first thing to understand is what an octane rating really is. When you go to the station, there are usually a few different options that might be ok for your car. While you know to avoid diesel or other specialty fuels, is there really an advantage to choosing premium over regular? Answering that question starts by looking at the number associated with those different gasses. You may already know this, but the number refers to the octane rating. Higher numbers will cost more, and it’s usually the biggest difference in the premium levels.

So how does a higher octane rating help your car? The short answer is that it doesn’t. Unless your engine is specifically designed to run at a specific octane, you can use the lowest rating without fear. However, if you have a luxury or sport edition vehicle, double check the owner’s manual to see what rating is recommended. Engines designed for higher octane often get better gas mileage with the premium gas. There are several factors that contribute to this, but the primary reason is that higher octane fuels burn at slightly higher pressures, so when an engine is designed around those higher operating pressures, you get improved efficiency.

Even if your car does recommend a certain octane, driving lower rated fuel is unlikely to hurt the engine. Ultimately it’s best to experiment and use the fuel that gets the most mileage. The improved performance lets you know that the car is running as designed.

To make sure your car is protected from more than just fuel choices, check in with Insurance Center of Green Valley. A representative can make sure you have coverage that will take care of you when you need it most.

Unfortunately, accidents happen all the time, both in your everyday life and behind the wheel. How you react to the situation makes a huge difference in the outcome of the situation. This is especially the case since some people are out to earn a quick a buck and will do so no matter the expense to you. 

1. Don’t Leave the Scene

You should never leave the scene with just a verbal agreement not to proceed with an insurance company. While it’s fine to agree that the accident was no big deal and that no claims are going to be made to an insurance company, you can’t be sure the other driver is actually going to follow through with this agreement. Your insurance company requires you to report all accidents anyways. It won’t hurt you in the long run to report it, but it could if you don’t report it. You can let the insurance company know there wasn’t any damage or that you’re paying out of pocket. 

2. Pictures

A picture is really worth a thousand words, especially when it’s one of the best ways to prove who’s at fault when compared to drivers verbally recalling the incident. Take pictures of the damage done to both vehicles. Snap pictures of the person’s driver’s license and insurance information if available. If there were witnesses at the scene, it doesn’t hurt to click a pic of their information. Get snapshots of everyone involved in the accident and the license plate of the driver.

3. Get a Cop Involved

A cop can’t force you to proceed with the insurance claim. He can report who’s at fault and be a reliable witness if the accident turns into a lawsuit or even a large insurance claim. He can even let the insurance company know the status of the other driver, so you don’t wind up getting a lawsuit for fraudulent medical issues. Keep in mind, no matter how you agree to pay for the damages, a cop must be called if the damages are estimated to exceed $1,000.

To receive a quote, contact Insurance Center of Green Valley today.