What happens if you do not have enough auto insurance in Arizona?

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The state of Arizona requires all auto drivers to have insurance in Green Valley, AZ. You do not have to show proof of full coverage to legally operate a vehicle on the highways or in the city. You do, however, need to show evidence of coverage that satisfies the state’s minimum. The Insurance Center of Green Valley can help you understand how auto insurance works in Arizona. 

What is the state minimum for auto insurance in Arizona?

Arizona requires all drivers to show proof of auto insurance that pays at least $25,000 per person ($50,000 per incident) for bodily injury. Your policy should also pay at least $15,000 per incident for property damage. 

What happens if you do not have enough insurance?

It is not enough to purchase an auto insurance plan in Green Valley, AZ. You must buy an indemnity policy that satisfies the state’s minimum as well as protects you from having to dig into your personal finances to pay for damages associated with an at-fault accident. 

Arizona is not a no-fault state, which means you may be sued by the victims if you do not have enough insurance to cover an incident. You may also be fined by a law enforcement officer for driving while uninsured. In some cases, drivers face license suspension if they have more than one offense of driving while either underinsured or with no indemnity coverage at all. 

Call Insurance Center of Green Valley, AZ

An accident is not the time to address your lack of proper auto insurance. The agents at the Insurance Center of Green Valley, AZ can help you understand what it takes to legally operate your vehicle in the state. Call them today to get started with a quote for auto insurance coverage.

Required Commercial Insurance in Arizona

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In Arizona, there are two types of commercial insurance that are required of virtually every business in the state. In addition to these, there are several types that may be helpful to your business but are not required by the state. If your business needs insurance, whether required or not, call us at the Insurance Center of Green Valley in Green Valley, AZ.

Commercial Auto Coverage

Every Arizona vehicle that is owned by a business of any size must have commercial auto insurance. There is a mandatory minimum amount of coverage that you must have for injury liability for one person and another amount for all of the injury liability for the entire accident. There is also an amount required for property damage liability for an accident. All of these required amounts are low when compared to most other states, so it’s often recommended to get a higher amount of coverage than the set minimum.

Workers’ Compensation Coverage

This type of coverage pays for the medical bills of employees when they have gotten sick or been injured in the workplace. This coverage is mandatory for every business that regularly has one or more employees whether those employees are part- or full-time. This protects your business against having to pay expensive medical bills if an accident or other incident should happen. It also keeps employees protected, as they will know that if they were to get sick on injured at work, there would be funds to pay for it.

Call to Talk to an Insurance Agent

If you need commercial insurance for your business, call us at the Insurance Center of Green Valley in Green Valley, AZ. Make an appointment to talk to an agent about these coverage types as well as the many optional types that may be recommended for your type of business. 

Home Insurance Coverage Options in Arizona?

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Home is not only where your heart is but the place that you have invested your hard-earned money. To protect it properly and adequately, you need an efficient home insurance policy. Also, if you borrowed the money to purchase your home from a bank, mortgage company, or another lender, you will be required to have a home insurance policy in place. The home insurance agents at the Insurance Center of Green Valley, located in Green Valley, AZ, have the knowledge and experience required to assist you in choosing the best home insurance policy for you and your home.

What Does a Home Insurance Policy Cover?

Your home insurance policy will cover, first and foremost, the structure of the home, along with any outbuildings, such as a shed, a garage, or even a deck. It will also provide coverage for your personal belongings, furniture, and appliances, if they are destroyed or damaged in a fire, due to vandalism, or become the victim of a natural disaster. Your home insurance policy will pay to repair or rebuild your home and to replace the contents inside if one of these horrible incidents occurs and also if your home is broken into and items are stolen or damaged.

Start Your Home Insurance Policy Today!

There are several additional policies you can get to protect your home, including flood insurance and earthquake insurance. To figure out the best policy for you and your situation and to obtain the peace of mind you need and deserve when it comes to your beautiful home, call upon the home insurance agents at the Insurance Center of Green Valley in Green Valley, AZ today!

Shopping for Auto Coverage? Avoid These Mistakes

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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.

Do I need commercial insurance in Arizona?

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The Green Valley, AZ area can be a great place to work and live. The strong local economy also makes it an ideal place to start a small business. As you are trying to put your business plan together, you also have to spend time thinking about your insurance needs. There continue to be a few reasons why you need to have a commercial insurance policy in this area of the state. 

Insurance Protects Company

A key reason to get commercial insurance for your company is that it can protect your organization. A small business will have a lot of risks that they need to mitigate as well as they can. When you get commercial insurance, you can mitigate a variety of risks that pose threats to the organization. With commercial insurance, you will have coverage against liability claims and can protect your most valuable business assets. 

Insurance Required by Stakeholders

You will also need to have commercial insurance as it will be required by stakeholders. Raising capital through a loan or outside equity is a good way to grow a business. Whenever you do this, your business will have commercial insurance requirements set by the investors or stakeholders. If you do not meet their insurance requirements, it will put you in default of your agreements. 

As you are looking to protect your business in the Green Valley, AZ area, you will determine that having proper insurance is crucial. When trying to build a commercial insurance policy here, it would be a good idea for you to call Insurance Center of Green Valley. The insurance team with Insurance Center of Green Valley understands the complexities that come with commercial coverage. They will then assess your business risk factors and requirements and help you build an appropriate insurance plan. 

Three questions to ask before you purchase a home insurance policy in Arizona

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You need to buy a home insurance policy when you purchase a home. Home insurance is important because a home is such a valuable asset that you need to protect.

We provide home insurance policies to homeowners in Green Valley, AZ at the Insurance Center of Green Valley. The following are three questions to ask before you purchase a home insurance policy in Arizona. 

Is home insurance required?

A lot of homeowners want to know if they’re legally obligated to purchase home insurance. Home insurance is generally not required by law. However, it’s worth noting that mortgage lenders will only lend money to a consumer to buy a home if the home is insured.

If you are still paying off a mortgage, you will be required to buy home insurance. Home insurance is also just generally a good idea to secure your finances even if you’re no longer paying off a mortgage. 

What types of damage will home insurance cover?

A standard home insurance policy will cover liability costs and damages from fire or lightning storms. However, home insurance will generally not cover damage from floods and earthquakes. 

How can I bring my premium costs down?

There are many ways you could potentially bring home insurance costs down. You may be able to bring costs down by making improvements to your home that increase safety.

You also might be able to save money by buying other types of insurance like car insurance from the same provider. Providers will sometimes give you a discount for bundling policies like this. 

We can provide you with answers to your questions about our home insurance policies in Green Valley, AZ. Contact us for more information. 

What are auto insurance requirements in Arizona?

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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.

What are the benefits of home insurance in Green Valley?

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In the Green Valley, AZ area, there are a lot of advantages that come when you own a home. Those that are here and buy a property will continue to enjoy the long-term price appreciation, tax benefits while also having a stable place to live in a nice community. As you are looking to get a home here, you should also get home insurance. There are several benefits that come when you get a home insurance policy. 

Insurance Covers Your Assets

One of the benefits that come with home insurance is coverage for your assets. If you do buy a home, you will be making a big investment in your future. You will want to protect this investment as well as you can. A great way to do this is by getting home insurance. With this insurance, you will continue to receive protection in the event your home is damaged or destroyed.

Insurance Gives Liability Protection

A property owner here should also think about their personal liability risks. If you do not receive this coverage, you could have to pay for any damages that you are deemed responsible for during a liability claim. This could include claims that your home caused damage to another property or if someone is hurt while in your residence. With liability insurance, you can receive protection to offset this risk.

As you are looking for a home in the Green Valley, AZ area, you should call the Insurance Center of Green Valley. The team at the Insurance Center of Green Valley can help you determine what your insurance needs are. They can then give you the guidance that you need to choose a policy that will ensure you and your assets are properly protected at all times. 

How commercial insurance can save my small business

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Arizona is one of the fastest-growing states in the union. It has low taxes and limited regulations which foster an atmosphere that is conducive to small business. The proof of the pudding is that there are more than half a million small businesses in Arizona employing more than a million workers. But even in such a business-friendly state, things can happen that endanger the future of your small business. At Insurance Center of Green Valley in Green Valley, AZ, we have been in business since 1989 and represent over 20 top-rated carriers. 

Commercial insurance offers a variety of different protections to small businesses that can save your business if you are hit with a covered peril or a lawsuit. Every small business has different needs and risks and every kind of commercial insurance coverage won’t be right. Some types, however, work for almost any type of business. 

Commercial property insurance

Whether you rent or own, commercial property insurance can help you to get back on your feet if you are hit with a covered peril like a fire or a severe weather event. It can help repair or replace any equipment or machinery you have lost. This includes office equipment and computers. It also will protect your inventory and raw materials. 

Commercial liability insurance

Getting sued is always a danger for any business. It can be the result of an injury on your property, a product you produce, or a service you provide. It can even be the result of a disgruntled employee. This insurance pays for a judgment against you and legal expenses. 

If you think your small business could benefit from commercial insurance at Insurance Center of Green Valley in Green Valley, AZ we have the expertise to guide you to the types of coverage you need. Stop by our office or give us a call for a no-obligation quote. 

Three things to do before you purchase auto insurance in Arizona

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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.