Car accidents in and around Green Valley, AZ, frequently happen and can be very upsetting. For example, you may discover things that your standard car insurance policy does not protect. Here are a few things we at Insurance Center of Green Valley can help you better understand.

Belongings in Your Vehicle

Like most people, you probably have many belongings in your vehicle at any time. Unfortunately, these items are typically not covered by your policy. Things that might get damaged include sporting equipment, electronics, laptops, and anything else that you have stored in there.

Natural Damage

Carefully read your policy to see what kind of natural damage may be covered. Some procedures will protect against specific types of natural wear. But if these disasters are not explicitly listed in your policy, you won’t be protected. Seriously considering adding them to avoid problems.

Non-Covered Drivers Handling Your Car

You borrowed your car to somebody who isn’t explicitly listed on your policy (or who doesn’t live at your address, as all who live with you should be implicitly covered), and they crash it. Your insurance does not cover the damage. Be very careful about who uses your vehicle!

Common Wear and Tear

Did your car’s tires wear down to nothing due to everyday use? Your policy will not cover replacement because this is considered ordinary wear and tear. Similarly, any problems caused by wear and tear will not be covered in your policy. So be careful about your policy options here.

Keep Yourself Protected

If you live in Green Valley, AZ and need an excellent insurance policy, contact us at Insurance Center of Green Valley right away to learn more. We’ll help you identify any potential problems with your policy and set you up with one that makes the most sense for your needs.

Car accidents happen all the time and can affect many Green Valley, AZ residents in upsetting ways. As a result, it may be necessary to file a claim with us at Insurance Center of Green Valley using the steps below to ensure that you don’t make any mistakes.

Call Your Agent Right Away

As soon as is possible, call your agent and let them know about the accident. Discuss who was driving, which vehicle was involved, when the incident took place, what happened, the name of other involved drivers, their insurance information, and witnesses to the accident (including police).

Talk to the Police

After you call your agent, you can report your accident to the police. While some insurance companies may ask for information about the report before starting the claim process, you can report the incident later to ensure that you get the required information for your needs.

Work With the Adjuster

An insurance adjuster will contact you a day or two after your claim and gather information. Then, they can provide you with a report, including an estimation of the cost of repairs and how much they will cover. You can talk with them about this information to prepare your financial needs.

Receive Payment

Eventually, your adjuster will authorize your final payment and apply it to your account. This step helps to cover any covered costs that you had to pay in the meantime, such as repairing your car. You may also wait until your insurance is approved to get repairs to streamline the process.

Find the Help You Need

Do you live in or around Green Valley, AZ, and need an insurance policy that you can trust? Please call us at Insurance Center of Green Valley right away to learn more. Our team of professionals will work with you to identify your insurance needs and keep your vehicle safe.

Auto insurance isn’t just something that you can take lightly. However, the best insurance options for Green Valley, AZ auto owners can provide a high level of protection to minimize severe legal and financial concerns. Thankfully, we at Insurance Center of Green Valley can help you with this concern.

Liability Coverage

If you get into a severe car accident, your policy will help. It can provide a myriad of different liability protection options, including:

• Paying for medical damages for other drives
• Covering any repair payments, you need to make
• Minimizing financial lawsuit risks
• Providing payments for medical costs of those in your vehicle

This type of high-quality coverage will vary depending on your policy and your provider. Make sure that you talk to your insurance agent to learn more about which policy options are available for you.

Repair and Replacement Coverage

When your vehicle gets heavily damaged and needs repairs, your insurance plan should help you repair or replace your car. It will cover any damages caused by accidents or which are otherwise covered in your plan, up to your policy limits, to ensure that you can get back on the road more quickly.

If your vehicle is too damaged to get repaired or if the damages are too high to get quickly and repaired, your policy should pay for the “totaling” cost of yours. They’ll pay to buy you a new vehicle up to the current market value of your car, getting you a replacement as soon as possible.

Find a Policy That Makes Sense

At Insurance Center of Green Valley, we can provide Green Valley, AZ residents and those in the surrounding area with the help they need to keep their vehicles strong. Reach out to us to learn more about the different policy options available for your driver and car owner needs.

Green Valley, AZ car owners need an excellent insurance policy to protect themselves from severe financial and legal troubles. However, they may make mistakes that cause complications with their coverage. We at Insurance Center of Green Valley can help you avoid this problem to keep your car safe.

Improper Automatic Payment Methods

Automatic payment is a great way to avoid missing an insurance payment. But if you change your debit or credit card number or don’t have the money in the account, your coverage may lapse. When this happens, you’ll end up having to get a new policy from a high-risk insurance company.

Paying Only the Minimum

States set up a minimum insurance level that all drivers must have on their vehicles. Many drivers try to save money by paying just this minimum—big mistake. If you get into an accident, you might end up paying higher premiums or having holes in your coverage that limit its usefulness.

Registering Under a Parent’s Name

Parents often try to help out their teen drivers by registering and insuring the car in their name when it belongs to and is driven by the teen. This act is called fronting and could result in your claims being denied, your policy canceled, and may even result in legal troubles. Don’t make this error.

Improper Claims

It isn’t unusual for people to make a mistake when filing their claims. They may end up submitting the claim wrong, putting the wrong information on the form, and much more. Pay attention to this possibility and do what you can to minimize its occurrence and keep your insurance proper.

Take Care of Your Insurance

As you can see, making insurance mistakes for your Green Valley AZ vehicle insurance can be problematic but easy to avoid. Call us at Insurance Center of Green Valley to learn more about how we can protect you from this severe concern and keep your insurance strong.

It doesn’t matter how long you have been driving or how many defensive driving classes you have taken, you can literally never be too safe when behind the wheel of a vehicle. That’s why the team of Insurance Center of Green Valley decided to share a few tips with Green Valley, AZ drivers that may help avoid auto accidents.

Keep Your Distance from Other Vehicles

When you follow too closely behind the vehicle directly in front of you, you are increasing the chances of a rear-end accident. In the event this happens, you will need to file an insurance claim with your insurer. By allowing yourself a couple of car links in between yourself and the vehicle in front of you, you will have ample time to stop should the driver suddenly hit their brakes.

Keep an Eye on Your Speed

When you are driving over the posted speed limit, it makes it harder to keep your vehicle under control while also contributing to a significant portion of car fatalities. In addition, it increases your chances of getting pulled over and receiving a traffic ticket. So, rather than speeding to your destination, slow down to keep everyone safe. Consider leaving a little bit earlier, if necessary.

Scan Your Surroundings

It is imperative that you don’t just pay attention to the road and what’s directly in front of you. You must be aware of all of your surroundings, as you never know when a deer may jump out from the woods on the side of the road or a vehicle may speed around you and make a quick improper turn.

Don’t forget to keep an eye on your blind spots and rear-view mirrors prior to switching lanes. In addition, when in a parking lot, watch for cars pulling out and not paying attention. If driving in a residential area, keep an eye out for small children playing.

Whether you need help ensuring you are properly insured or need help filing an auto insurance claim, reach out to the Insurance Center of Green Valley. Our team serves Green Valley, AZ and offers a variety of options that will suit your individual needs and budget.

Like most states, the state of Arizona requires that all drivers must I have liability insurance in place through a company that is licensed to do business in Arizona that will cover bodily injury as well as property damage in the event that an accident occurs. The insurance agents at the Insurance Center of Green Valley in Green Valley, AZ understand the importance of auto insurance.

In addition to liability insurance, there are several other coverage options you can choose from when it comes to auto insurance.

Auto Insurance Coverage Options

Underinsured/Uninsured Motorist Coverage

Some states require that you have underinsured or uninsured motorist coverage and while Arizona does not require it, it is a good idea to have it in case you are ever involved in an accident with a driver who does not have any insurance at all or very little auto insurance.

Comprehensive Insurance

Comprehensive auto insurance coverage will help you pay for repairs or replace your vehicle if it is stolen, destroyed or damaged by a fire, or becomes a casualty in a natural disaster, such as a tornado or hurricane.

Collision Insurance

Collision insurance is important to have in place in case you are involved in a collision with a car or even an object of some sort. For example, if you back your vehicle into a guardrail this type of insurance will cover the damage to your vehicle and the guardrail.

Call For a Quote Today!

To obtain an auto insurance quote or to get your policy started right away, contact the experienced and trusted auto insurance agents at the Insurance Center of Green Valley in Green Valley, AZ today!

Living in Green Valley, AZ requires one to own a prolific mode of transport. One of the most available modes of transport is the car. Car ownership in Green Valley, AZ is a sense of freedom and endless adventuring opportunities. Irrespective of all these advantages, being a car owner presents itself with inherent risks. Therefore, it’s paramount to source formidable auto insurance to safeguard you from imminent perils like vandalism and theft. Getting the right auto insurance in Greenvalley can sometimes be a daunting task. Car owners are stressed with questions like how much insurance my car needs? How can I get affordable premiums? To avert a frustrating hassle for your car insurance, contact our agents at the Insurance Center of Green Valley today. Our agents will simplify the process of buying outstanding auto insurance, meeting your needs and budget. Buying car insurance is an absolute necessity that is beneficial in the following ways:

Liability protection

An adequate auto insurance coverage will accord you solidified liability protection. Even if you are an experienced driver, there is a likelihood of propagating an accident that may culminate in massive damage and injuries. If you don’t possess liability coverage, you will be forced to pay for damages and injuries out of pocket. Luckily, car liability insurance can offset this risk.

Coverage for assets

One great way of safeguarding your asset, in this case, your car, is through procuring the right auto insurance coverage. Any Green Valley AZ resident who buys a new or used car will be making a massive investment that needs to be adequately guarded. If you invest in both comprehensive and collision policies, it will cater to repair or replace your car after damage or theft in different ways.

It’s a legal requirement.

Most states, including Arizona, require motorists to maintain car liability insurance that meets specific minimum requirements if they get engaged in an accident. These advocated minimum requirements by the state of Arizona, including bodily injuries and property damage.

Any car owner in Green Valley, AZ needs to get formidable auto insurance to protect themselves and their precious asset. If you are looking for auto insurance coverage, don’t hesitate to speak with our agents at the Insurance Center of Green Valley and get valuable information about an auto insurance policy.

Auto insurance is a special type of monthly expense. Because auto insurance is necessary to operate your vehicles legally, you want to always make sure you are getting the best possible deal on this mandatory service. At the Insurance Center of Green Valley, serving Green Valley, AZ, we can help you make the best insurance choices. Keep reading to find out when you should be shopping for new auto insurance. 

As You Age 

As you grow older, your insurance rates will start to drop. It is important that you shop around to find the best deal possible. If you have been with your current insurance company for a while, check out a few other providers to find out if you are now old enough to start qualifying for discounts. 

Getting Married

If you have recently gotten married, you may want to consider combining your auto insurance with that of your spouse. Combining insurance can save you money each month, not to mention, it is easier to deal with one payment than with two. 

Adding A New Driver

If you have teenage children, you will be required to add them to your policy when they reach driving age. For some states, teens must be added as soon as they have their learner’s permit. You need to check with your local government to find out what is required in your area. There are often discounts available for students who maintain a good grade point average to help offset the increased insurance rates for covering teenagers. 

Once A Year

Many drivers like to shop around for new insurance rates at least once a year. This helps you stay on top of the best deal available. 

If you would like more information concerning our insurance services, please contact our office at the Insurance Center of Green Valley, serving Green Valley, AZ. 

Updating your auto insurance plan in Green Valley, AZ, is relatively straightforward. All you are required to contact your insurance agent or perform the upgrade online. However, before upgrading your auto insurance, it’s prudent to employ our comparison tool at the Insurance Center of Green Valley to scout for outstanding rates and coverage policies.

Is it time to upgrade my Auto Insurance?

Just like you upgrade your car with mods, the same should apply to your car insurance. Instead of buying and forgetting, you should update your car insurance to ensure that it captures your current state accurately.  Here are reasons that may necessitate you updating your auto insurance:

• When you realize that your current third-party policy is not adequate, and you would prefer switching to comprehensive insurance.
• When your circumstances have changed, and you are willing to procure add-on cover to your original policy. For instance, purchasing engine protect because you have moved to an area prone to water logging.
• After establishing your personal vehicle to commercial. You need to update your insurance from personal auto insurance to commercial auto insurance.
• You have bought a new car, and you wish to transfer your old policy to your new vehicle. You can undertake this transfer by upgrading the sum assured based on the new car’s value.
• When you are moving or changing your location. An upgrade is crucial when relocating because your car insurance company might not be operational in the state you are relocating to. Even though they may be operating in the state you are moving to, they may require some adjustments on your premiums, considering the risk profile of the locality.
• When you have decided to let a teen drive your car. Upgrade in this situation is crucial because your teen driver is more susceptible to the risk of causing an accident. Statistics in the U.S reveals that more accidents are propagated by teens more than any other age group.

Are you interested in making an auto insurance upgrade in Green Valley, AZ? Upgrading your auto insurance is easy. All you have to do is call or visit our Insurance Center of Green Valley, and get an affordable upgrade for your auto insurance hassle-free!

As a business owner, you should know that almost every state requires commercial auto insurance if there are business-owned vehicles and employees that operate them. You won’t legally have a choice in the matter if this is your s situation. Our team at the Insurance Center of Green Valley, AZ understands this and is here to help business owners navigate commercial insurance requirements as well as any coverage they may need to safely run their business. 

It’s the Law…for the Most Part
Most states require businesses to purchase commercial insurance if there are cars that fall under the company name, or owned by the company. Also, company vehicles that are used by employees to transport clients and equipment, and drive to job sites require commercial insurance coverage. Personal car insurance is generally not designed to cover commercial or business needs if those terms aren’t stated in the policy. This is significant because involvement in a job-related car accident could invalidate your personal insurance policy. 

Why Personal Car Insurance May Not Cover Commercial Use
Many personal insurance policies have an exclusion that clearly declares that there’s no coverage for personal vehicles that are used for business purposes. This is one of the many reasons why it’s important to purchase a policy that is designed for the specific use of a vehicle. The right insurance coverage will protect both you and your employees legally and serve the purpose of the vehicle more accurately. Where your personal auto insurance policy would fall short, a commercial insurance policy would provide more coverage for a vehicle used for commercial purposes. 

Other Considerations
Personal auto insurance is less costly than business insurance. A car used for commercial purposes is more than likely more frequently driven, hence, more prone to accidents and liability, particularly if you are transporting clients or business equipment. The increased risk usually translates into higher costs. If you have questions regarding whether or not you need commercial auto insurance, give us a call. We’re here to help.