When you are looking for insurance in Green Valley, Arizona, you may wonder about the differences between scoring measurements. Although a credit score may seem straightforward and simple, in many cases it is confused with other numbers. An insurance score is not the same because it considers more than just the risk of late payments.

Credit Rating

A credit rating and score is developed by your history of making payments, the debts that you owe and similar financial data. Although the credit score is part of determining your how you score when looking for insurance, it is only one factor. The credit rating is based solely on your financial history, which is not enough to determine the full extent of the potential risks you pose to the insurer.

Insurance Scores

An insurance score is not the same as your credit rating. Although your credit rating is part of the score, it is a small part. The insurance score will also factor in your driving record, any claims you have made on your insurance in the past and the potential risks you may face based on statistical data and any further records that you may have.

Factors like a DUI charge, filing a claim or facing a lawsuit that is paid by your insurer due to liability protection are all part of your score. The credit rating and your financial history is a small part of the scoring process because it helps determine the risk that you may pay your premium late.

Ultimately, insurance scores are more comprehensive than a credit rating because it factors in more data about your potential risks. If you want to learn more about the scoring process, then contact us today to talk to an independent agent.

If you’re visiting the Green Valley, Arizona area as a tourist from another state, it’s simply a matter of having the vehicle purchased in your name and insured under your current auto insurance policy. Some states may require you to purchase a transit permit that’s valid for a short period of time. You typically have 30 days from the time of purchase to transfer the vehicle’s title in your name and register the vehicle with your home state.

If you are a tourist from another country, purchasing a car for short term use turns into a much more complicated task. There are several issues at hand that may prevent you from legally using the vehicle during your stay:

• Most states prohibit the use of temporary addresses in place of a permanent address when registering a vehicle. As it is unlikely that a tourist will have a permanent U.S. address, it becomes very difficult to have the vehicle properly registered and plated.
• It’s also illegal to use someone else’s address to register the vehicle. If you’re caught, civil penalties may be involved.
• The previous owner can’t and in most cases won’t allow you to use their plates to drive the car. In ordinary practice, sellers are almost always obligated to remove their license plates from the car when the vehicle is sold.

In addition, very few insurance companies offer short-term auto insurance for tourists in the U.S. for this particular purpose. If you do manage to find a willing insurer, the agency in question may require you to have an international driver’s license on hand in addition to the driver’s license of your home country. In the end, it’s usually a good idea to rent a vehicle during your stay.

Don’t hesitate to give us a call if you have any specific questions about your current car insurance policy. As your independent agent, we can help you regardless of your particular circumstance.

Disclaimer: “ The content of these blogs do not represent any type of specific coverage’s offered by the agency.”

Windshield damage can occur at unexpected times. It may occur during an accident, as the result of the weather or even due to a tree branch falling on the windshield. Regardless of the reason that the damage occurs, the impact on your premium can vary.

Repairs by the Company

When a car insurance company pays for the damages to the vehicle, it may result in an increased monthly payment. If you make a claim on your insurance it means that you are explaining the situation to the company. When that happens, you may discover that the accident or the situation will increase your premium in Green Valley, Arizona.

Differences Between Companies

Although auto insurance rates may increase when you make a formal claim, the exact impact and the amount that you pay each month may vary. In some cases, the changes are minor and you will not see a dramatic impact on your premium. In other cases, you will see an obvious difference in the price.

Each company is different, so the exact impact on your auto insurance premium may vary. Some companies may even offer a forgiveness plan that prevents your premium from increasing, even when you are involved in an accident. That means that the exact details of when your premium is impacted by the policy may vary. You may or may not see an increase to your premium.

Car insurance policies are not the same, so each company can offer a variety of options when you are protecting your vehicle. Depending on the situation and your policy, the impact on your premium may vary. While some insurers may increase the premium, others may forgive the first incident without an increased rate. To learn more about the impact of vehicle damage to your policy, contact us to talk to an independent agent.

Auto Insurance companies in Sahuarita, Arizona do take into consideration as who will be driving the car that you are insuring and it can have an effect on the premium you pay. If, for example you have a wife and two children of legal driving age in your household, your premium may be a little higher than if you were the only person who would ever drive the car.

You can not lower your rates on Arizona auto insurance by hiring an experienced chauffeur to drive you around Sahuarita because you are the named insured. In order to register a car in Texas in your name, you need to show that you have the required auto insurance. You can not get cheaper insurance by saying that you have a professional driver who has a spotless driving record.

About the only way that you can get around Arizona insurance rules and regulations is if you were to purchase a car for your chauffeur and then have the car insured in your chauffeur’s name. Of course you would have no ownership rights in the vehicle and the premium of the auto insurance policy would depend on the chauffeur’s personal driving record and other factors that determine the rates for insurance.

When auto insurance companies sell a policy, they base their rates on several different factors. The vehicle itself accounts for a portion of the total premium and the driving record and risk presented by the driver accounts for the remainder of the premium. Full coverage on a brand new $50,000 car will cost you more than a $20,000 vehicle because if it is stolen, or totaled, it will result in a larger claim against the insurer.

As your independent agent, we understand that it is tough out there and everyone wants to pay lower premiums. Give us a call and let us review your current policy. Many times, we can find a way to reduce your overall auto insurance costs.

We know you’d rather spend your time exploring the desert landscape here in Green Valley,Arizona, shopping in Tucson, or planning your next trip to Mexico than collecting auto insurancequotes. As independent agents, we provide a one-stop service for quotes. We take your basic information and apply our knowledge of Green Valley’s insurance providers and policies to gatherquotes that are tailored to your needs. Each independent agent takes the time to get to know his client, so you don’t have to spend a lot of time looking for what you need. We do the looking for you, and our expertise allows us to streamline the process, getting good results and saving you time. Our goal is to make using an agent like taking a shortcut to get to your destination. We’ll show you the options that appear to be on the right track and help you evaluate quotes to make your final selection.

Many of our Green Valley clients want to save money in addition to saving time by using the one-stop auto insurance quote service at our insurance center. We can help you determine which policies and rates are truly a good value. We often remind people that discovering an adequate amount of coverage for a reasonable rate can be much better in the long run than spending very little but having very little coverage. To find the best value, quotes can be collected and compared using your recommended coverage types and limits. As an independent agent, we also know that some people will qualify for discounts or could qualify for discounts with a few simple steps. Some of the questions we ask you at the beginning of the process will help us match you with the providers that offer these discounts. Our one-stop shop gets your quotes, so you can get your car on the road with the right auto insurance.

One of the best ways to find a good auto insurance company in Green Valley, Arizona is to ask your friends who they use to insure their car. You too can help your friends when they are looking to purchase car insurance. If you refer them to your current insurance vendor and they purchase policy, they will be happy because they are getting good and affordable coverage. You may also be rewarded with some unexpected benefits from your independent agent who appreciates your help in sending more business their way.

It may be unexpected, but not unusual for individuals to get some perks when they refer their friends to the Insurance Center Green Valley. You may be pleasantly surprised when an agent hands you a gift card and tells you thanks for the referral. Sometimes agents at the Insurance Center Green Valley will present you with a voucher from a local business where you can enjoy a complimentary lunch or some other small benefit.

While it is nice to receive a little something extra for referring your friends to the same insurance vendor that you use, the reason you should do so is that you want to help your friends get the type of auto insurance coverage that they need. If you are happy with your insurer, why not share that information with your close friends and family?

Personal recommendations are probably one of the best sales tools for convincing anyone to bury any product. Whether it is buying a car or buying car insurance, people trust their friends to steer them in the right direction. You can give us a call and talk to an independent agent who can discuss the benefits when you refer new clients.

Insurance rates vary greatly from person to person. The rate that people pay is figured using a complex rating scale that involves a number of different things. If you are looking to buy a new car and are thinking about getting an electric one, then here are a few things that you may want to know before making the purchase.

The Factors that Help Rate Your Car Insurance Premium

· One big part of insurance rating is your personal financial management score, also known as your PFM. If you pay your bills on time and do not have any late payments you can be sure of a great rate.

· Your driving record is another part of the rating scale. If you have one ticket, then you can expect to pay a little more for insurance than a person with a spotless record.

· The car type also plays a role in how much you pay. A person who drives a sports car will pay more than a person driving a minivan. Sports cars are rate higher because the car is greater liability risk to the insurance company.

· Some insurance company’s have realized the value of environmentally friendly electric cars. They have started to offer a small discount for people who drive this style of in Green Valley, Arizona. So they end paying the lesser of two amounts based on the power of the car.

If you live in the Green Valley, Arizona area and have any questions about your auto insurance, then you need to call your independent agent today. As your agent we can help answer all of your questions about car insurance. It’s important that you give us a call so that we can give you specific details for your circumstances. You can only win by saving on your auto insurance.

It would not be a good situation if you were driving down the street in Green Valley, Arizona and you had to slam on your brakes to avoid an accident because someone went through a red light. It could be much worse if, when you pressed down on the brake, your car did not slow down.

You do not have to get into an accident to know that your brake pads are old and need to be replaced. Many people procrastinate because the cost of doing a repair is too high. You may have to purchase parts for all four wheels and before you know it, the brake job will cost you $200.

If you have auto insurance, you might wonder if you can file a claim and get your carrier to pay to repair your car. Unfortunately, auto insurance policies do not cover maintenance or any parts that need to be replaced because of normal wear and tear.

Even if you have collision insurance and get into an accident because your brakes were bad, your insurance company will not pay for new brakes. It is your responsibility as a car owner to take care of your vehicle. Just as you have to change the oil in your car, replace the windshield wipers or purchase new tires every 50,000 miles or so, you have to maintain the brakes.

While your regular auto insurance policy does not cover parts or repairs not due to an accident, you can purchase a separate insurance policy that covers parts and repair costs for engine components, the drive train and other common things that can go wrong with your vehicle.

Give us a call and talk to an independent agent. They can explain what your auto insurance does and does not cover in more detail. Maintaining your vehicle in good operating condition can make you a safer driver and also lower your Arizona auto insurance premiums.