With so many auto insurance companies and coverage options to choose from, shopping for a policy can be a challenge. At Insurance Center of Green Valley, we can help you make smart insurance choices to avoid costly mistakes in your coverage. Here are some of the most common mistakes people make when purchasing auto coverage in Green Valley, AZ.

Compromising on Coverage for Price

Although the price is important, it shouldn’t be the deciding factor in obtaining an auto policy. You should ensure you get adequate coverage for your driving needs. Inadequate coverage could result in paying for repairs to your vehicle or damages to others out of pocket. It never pays to compromise on essential coverage just to save a few dollars on your premium.

Failing to Fulfill Legal Insurance Requirements

Like most states, Arizona requires that you have minimum auto liability insurance to cover damages to others in accidents you cause. Failure to get this coverage either intentionally or unintentionally could result in a fine or penalty.

Not Comparison Shopping for a Good Price

Auto insurance is a competitive business. If you don’t shop around, you’re not going to get the best deal on your policy. To save time and money, you can comparison shop online to see what insurers in Green Valley, AZ have to offer. This can save you from overpaying on your policy.

Going with the Cheapest Policy

Your insurance should provide protection conducive to your lifestyle. Cheap policies don’t always meet up to those standards. If you cut corners on your protection, you put yourself at risk of financial loss in the event of an accident.  

At Insurance Center of Green Valley, you work with a company you can trust. Contact us today to purchase the quality auto insurance you need at an affordable cost.

You are required to have liability insurance to operate your vehicle in Green Valley, AZ. The agents at the Insurance Center of Green Valley can help you find the indemnity policy that best fits your lifestyle. 

How much insurance is required in Arizona?

The state of Arizona requires every driver to show proof of at least $25,000 for bodily injury coverage ($50,000 per incident). Drivers also need to furnish proof of at least $15,000 for property damage liability. 

The auto insurance requirements extend beyond cars and trucks in Green Valley, AZ. Moped, motorcycles, and golf cart owners must also meet the minimum indemnity coverage requirements to legally operate their vehicles on the highways and in the city. 

Is the minimum enough?

Arizona is a tort state, which means that an individual deemed at-fault in an accident can be sued if his or her policy falls short. Having the minimum amount of coverage as required by the state will not shield you from a lawsuit if your policy limits do not pay for all damages. 

Having the notion of a lawsuit in mind, many choose to purchase more than the state minimum when it comes to auto insurance. In fact, a lot of drivers choose full coverage, which often includes compensation for medical bills as well as uninsured motorist protection. 

What plan should you choose?

It is best to speak with an agent at the Insurance Center of Green Valley before deciding to simply go with the state’s minimum requirements. An expert in the field can help you understand the importance of auto insurance as well as the benefits that come with full coverage. 

Call the Insurance Center of Green Valley today to get started with a quote for auto insurance.

If you want to drive on Arizona roads, you need to find an appropriate auto insurance coverage option. We can help you meet your auto insurance needs in Green Valley, AZ at Insurance Center of Green Valley.

The following are three things to do before you purchase auto insurance in Arizona. 

Understand factors influencing auto insurance premiums

Numerous factors influence how much you need to pay for auto insurance. Some of the factors that will have an impact on your auto insurance premiums include your driving record, the vehicle you drive, and what kinds of coverage you have.

Understanding the factors that influence your auto insurance costs can help you to save money. When you understand these factors, you can possibly bring costs down. You can bring costs down by purchasing a vehicle that’s more affordable to insure. You can also bring costs down by taking advantage of discounts like defensive driving class discounts. 

Understand what auto insurance covers

Basic auto insurance coverage will cover liability expenses. This means that liability coverage pays for the costs of the damage you cause to others while driving.

However, you’ll enjoy more coverage if you invest in a collision and comprehensive coverage. These types of coverage can cover the costs of damage to your own vehicle in an accident. 

Be aware of state requirements

Your insurance policy will need to meet requirements set forth by the state of Arizona. In Arizona, motorists are required to have at least $50,000 in total bodily injury liability coverage per accident. They’re also required to have at least $15,000 in property damage liability coverage. 

If you’d like to learn more about the steps to finding the right auto insurance coverage, we can help at Insurance Center of Green Valley. Get in touch with us to find a Green Valley, AZ insurance solution. 

When you move, you have a thousand things on your mind. You have to consider everything from where to put the furniture to how you’ll even get it through the door. You have to make sure that your medications are readily available even during the transport of all your things. You also have to update different parties about where you’re going and why.

One thing that can easily be forgotten in all the chaos is your auto insurance carrier. If you live in Green Valley, AZ and you’re wondering if you can just let your change of address form take care of everything, Insurance Center of Green Valley is here to give you the facts. 

Yes, You Have to Tell Your Insurance Carrier 

Your insurance is determined by where you park your car and where you drive, which means that you need to tell your insurance carrier when you move. Everything from your rates to your policy requirements might change based on where you’re going. If you’re moving across the street from where you are now, there likely won’t be much of a difference when you update your carrier. However, you still need to let them know. Otherwise, you risk a lack of coverage based on the original information you have them. 

Call for Help

Even when you’re feeling overwhelmed by a move, you have to remember how your relocation will affect one of your most precious possession. If you’re moving either to or from Green Valley, AZ and have questions about the right path for you, give Insurance Center of Green Valley a call today. We can help you get the right auto insurance policy that will keep you protected no matter where you are. 

Anyone that is in the Green Valley, AZ area would benefit from having a car. When you have a vehicle here, it will be much easier for you to get around town. While a car will provide you with a lot of conveniences, there are also a lot of responsibilities that come with it. One task that all people in the area need to do is get a quality auto insurance policy. There are several benefits that you will receive if you get a quality auto insurance policy.

Protection for Liability

One of the benefits of getting into an auto insurance policy will be that you can receive protection for liability. Anyone that drives a car will always run a small risk that they could cause an accident. If you do cause an accident, it will be up to you to cover damages. Fortunately, with a liability insurance policy, you will have protection against this risk.

Covers Vehicle

You will also benefit from getting an auto insurance policy as it can cover your vehicle. If your vehicle is damaged or stolen, the repair or replacement costs can be significant. Fortunately, with an auto insurance policy you can receive coverage for these expenses. 

As you are shopping for a new auto insurance policy in the Green Valley, AZ area, it would be a good idea to reach out to someone that you can trust. A great source of information to reach out to when you need a new insurance policy is the Insurance Center of Green Valley. As you call the team at the Insurance Center of Green Valley you can learn a lot more about the options available to you. This will ensure you get into a proper policy that gives the right protection. 

There are all kinds of insurance add ons you absolutely need to consider when it comes to your vehicle. These different forms of insurance will help specialize your auto coverage and ensure you have the kind of protection you need. But what auto insurance add ons are right for you? We at the Insurance Center of Green Valley are here to help you find this out. So, if you live around Green Valley, AZ, here are some of the add ons you need to know about. 

Personal Injury Protection

PIP coverage is an add on the form that will help you with health coverage if you are injured. Health insurance doesn’t always cover all auto injuries and if you are in a serious accident this does become expensive. PIP can help you with this. 

Roadside Assistance

You never know when you might have a flat tire or some other kind of problem with your vehicle. With roadside assistance help will be a simple phone call away, all for a small monthly payment. 

Uninsured Motorist Insurance

If you’re involved in an accident with an uninsured motorist it isn’t your fault they don’t have insurance. And yet, because they drove without insurance it leaves you exposed to paying out of pocket. To help you avoid this, uninsured motorist insurance is a coverage you should consider. 

Protect Yourself With The Right Auto Insurance Add Ons

There are so many insurance add ons available it is difficult to know what to opt for. That is why our staff here at the Insurance Center of Green Valley is here to lend a helping hand. So, instead of guessing blindly at the insurance coverage right for you, let our staff help you out. If you live around Green Valley, AZ, we are just a phone call away. 

When you meet with your representative at the Insurance Center of Green Valley, we take the time to help you understand your auto insurance options in Green Valley, AZ. That’s the time to make sure that you understand the state insurance requirements for bodily injury and uninsured motorist coverage. In addition, ask about the most common insurance options that can protect you and your vehicle, including the following.

Bodily Injury Liability

This applies to injuries that you or a covered driver on your insurance cause to another person. You can opt for higher coverage if you think you are likely to be sewed for high amounts.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist coverage pays the expenses when a covered driver experiences a hit-and-run or if an uninsured driver hits your vehicle. Underinsured motorist coverage protects you from a driver whose insurance maximum doesn’t cover the cost to repair or replace your vehicle. It may also cover you if you get hit by a vehicle while acting as a pedestrian.

Property Damage Liability

This coverage pays for you or someone on your insurance cause to someone else’s property. It typically includes damage to poles, lamp posts, buildings, fence, and other structures you hit with your car.

Collision

Collision insurance pays for damage to your car when you collide with another vehicle or flip your car. If you aren’t at fault, your insurer may go after the at-fault driver’s insurance.

Comprehensive

This coverage pays for loss or damage due to a non-collision covered event. This may include falling objects, a fire, missiles, explosions, deer, windstorms, vandalism, and riots, among other covered perils. 

Contact the Insurance Center of Green Valley to make an appointment for a free quote on all your car insurance options in Green Valley, AZ. We would love to meet in person to discuss all your insurance needs.

Drivers often wonder whether they should purchase liability vs full coverage insurance. Both coverage types are good options, but the Insurance Center of Green Valley wants to help you understand the differences.

Liability VS Full Coverage

Liability auto insurance is the bare minimum required by law in most states for you to drive legally. It is designed to cover damage and other expenses caused by you in an accident. In Green Valley, AZ, the minimum liability required is:

• $15,000 for bodily injury per person/ up to $30,000 per accident
• $10,000 for property damage per accident

Full coverage goes beyond the minimum requirements. Most full coverage policies also include collision and comprehensive. It insures against any covered event regardless of who is at fault.

Both liability and full coverage have their pros and cons:

Advantages of Disadvantages of Liability

Liability insurance is known as the more affordable option. As it covers damage to other people and property that belongs to other drivers involved in an accident you cause, it helps take the financial burden off of you.

The largest downside of carrying only liability is that it does not cover your vehicle in the event of an accident. If your car is totaled or damaged in an accident in which you are at fault, you will be paying to replace or repair your own vehicle.

Advantages and Disadvantages of Full Coverage

Full coverage insurance will take care of damages and injuries to people and property involved in an accident regardless of who is at fault- as long as it is a covered event. It can make sure you get back on the road if there are damages to your own vehicle as well as other expenses incurred during an accident. The biggest disadvantage to full coverage is that it is a less budget-friendly option, but the additional coverage often far outweighs this issue.

If you are in or around the Insurance Center of Green in Valley, AZ, stop by or give us a call for your no-obligation quote on liability and full coverage auto insurance! 

Misconceptions about auto insurance can cost you dearly when it comes to making a claim. At Insurance Center of Green Valley in Green Valley, AZ, we’ll clarify any misconceptions you may have concerning auto coverage so you can get the coverage you need. Here are some common misconceptions to watch out for when purchasing your policy.  

Misconception: Minimum Coverage is Enough

Arizona requires that you have minimum liability coverage to protect others in accidents you cause. Minimum coverage, however, won’t be enough to protect you against serious accidents, leaving you liable for remaining costs. For optimal protection, it’s best to obtain as much liability insurance as you can afford.  

Misconception: Comprehensive Insurance Provides “Blanket” Coverage

Comprehensive only covers your vehicle against theft and non-collision accidents such as damage caused by falling objects, storms or vandalism. By adding collision, uninsured/underinsured motorist and roadside assistance to your insurance package, you’ll have broader coverage.

Misconception: Auto Insurance Follows the Driver

Auto insurance follows your vehicle, not the driver. If you loan your car to a friend, and he causes an accident, your auto insurance is responsible for damages. You will also be responsible for your deductible.

Misconception: Red Cars are More Costly to Insure

The color of your car has no bearing on the cost of auto insurance coverage. The make, model, and value of your vehicle, however, can affect insurance costs.

Misconception: Auto Insurance Automatically Covers Rental Car Costs

Unless you have insurance coverage for a rental vehicle, your insurer isn’t required to pay for one if your car has to go to the shop for repairs after an accident. By adding rental vehicle coverage to your policy, you can avoid problems with a lack of transportation after an accident.

To learn more about auto insurance coverage and costs, contact Insurance Center of Green Valley in Green Valley, AZ.

Parents with teens face questions about driving. Who will teach them to drive? What rules will you set? Do teen drivers in Green Valley, AZ need auto insurance? Hopefully, parents have been setting a good example as responsible drivers up to this point. They now need to consider the matter of insurance. This is where the Insurance Center of Green Valley can help them. 

Teens holding a learner’s permit do not need additional coverage under Arizona law. Your present insurance coverage is sufficient as they practice their parking and merging. This might be a good time to discuss upcoming changes to your policy with your insurance provider. Once your child receives their license, they will be required to carry auto insurance.  They might purchase their own under certain circumstances, but most teens are added to the existing policy of the parents.

May we recommend some tips to help your child have a good start to their driving years?

• Provide them with roadside assistance. 
• Pack an emergency bag, and show them how to use the items in it.
• Agree on family rules that address safety and responsible driving behavior.

Our agents at the Insurance Center of Green Valley can help you get the coverage that will serve your family. We would be happy to discuss the changes you will face when adding a new driver to your current insurance. It may be a good time to shop around for a new policy, but there is no obligation to do so. Green Valley, AZ parents can rely on the expertise of our agents as we help them navigate the teen years. Contact us today.