Four challenges you may face when you buy auto insurance

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The Insurance Center of Green Valley is an auto insurance provider in Arizona. If you own a vehicle in Green Valley, AZ, we can insure your vehicle. 

When you’re in the market for auto insurance, you should be aware of the challenges that could come up when you buy a policy. Below are four challenges you may face when you purchase auto insurance. 

Deciding which coverage types to purchase

When you explore your coverage options, you’ll see that there are a few coverage types from among which you can choose. Decide if you want to buy only liability coverage or additional coverage types like collision and comprehensive coverage. 

There are other options available, like uninsured and underinsured motorist coverage. You should know these coverage types and decide if you want them before buying a policy. 

Understanding all the options available to you

Find out which insurance companies offer auto coverage in your area. This way, you know who to consult when looking for policy quotes. 

Knowing how much coverage you need

You’ll be able to choose between different maximum coverage amounts. You should invest in more than minimum liability coverage to protect yourself in a lawsuit. You should also invest in gap insurance on your collision and comprehensive coverage if you are still making payments on your auto loan. 

Planning ahead for auto insurance payments

Plan out your monthly budget and factor in your auto insurance payments. Setting up auto payments can help ensure you don’t overlook any upcoming auto insurance payments.  

Motorists in Green Valley, AZ can contact us at the Insurance Center of Green Valley for assistance. Are you ready to get a quote on a policy? Give us a call today to explore your options. 

How Worker’s Compensation is a Commercial Insurance Benefiting You & Your Employees

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Here at the Insurance Center of Green Valley, we are proud to provide an array of commercial insurance policies to Green Valley, AZ, and other Arizona businesses. Each type of policy has its benefits, but worker’s compensation policies uniquely benefit two parties: the employers and the employees. Just take a look at the following quick list of how:

How Worker’s Compensation is a Commercial Insurance Benefiting Both Employers & Employees

Benefits to Employees:

  • Medical Coverage. Worker’s compensation insurance ensures that a company’s employees receive the medical care they need for injuries and illnesses sustained on the job.
  • Wage Replacement. This insurance also offers wage replacement benefits so employees can be financially secure as they navigate their injury or illness. 
  • Rehabilitation and re-training. In some cases, an employee may be injured beyond their ability to return to regular work for an extended period, sometimes ever. In such cases, workers’ compensation will often pay for rehabilitation and even re-training to get them back at the job site in a capacity right for their health. 

Benefits to Employers

  • Legal Protection. Because worker’s compensation insurance provides employees with medical and wage benefits, employers are generally protected from lawsuits that might lead to injury-causing accidents.
  • Financial Stability. Worker’s compensation uniquely provides employees and employers with financial stability as employees get their wage replacement payouts from insurance companies, and employers don’t have to scramble to meet such out-of-pocket costs. Win-win. 

Get Your Worker’s Compensation Coverage Today

There are quite a bit of choices when it comes to worker’s compensation policies. Give our team at the Insurance Center of Green Valley a visit today to discuss your opt options and other types of commercial insurance.

Required Auto Insurance in Arizona

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When you own a car in Arizona, it’s required for it to be covered by auto insurance. You must have proof of your auto insurance policy and have it available. Not having your vehicle insured can come with fines and fees and jeopardize your vehicle’s registration. If you don’t have the auto policy you need right now, call us at the Insurance Center of Green Valley in Green Valley, AZ. 

Liability Coverage Types

Two types of liability coverage are required in Arizona. The first one is bodily injury liability coverage. This type pays for the medical bills that others have in an accident that’s your fault. This comes in two different amounts. The first is a specific amount of coverage when one person is injured in an accident. Then, another amount has to be in place for everyone with injuries. The second type of liability coverage you have to have is property damage liability. This pays for the other party’s vehicle damage and any damage to buildings, landscaping, etc. In Arizona, all of these minimum amounts are relatively low. It’s generally recommended to get more than the minimum. 

Uninsured and Underinsured Motorists

Coverage for uninsured and underinsured motorists must be added to your auto insurance. However, you can talk to your insurance agent to remove these from your insurance. It’s generally recommended that you keep them, as accidents with these motorists are common, but you don’t have to leave these coverages on your policy. 

Get Auto Insurance in Arizona

If you aren’t sure how much auto insurance you need, call us at the Insurance Center of Green Valley in Green Valley, AZ. 

Essential Home Insurance Coverage: Protecting Your Most Valuable Asset

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Your Green Valley, AZ home is a significant asset; you want to protect and take good care of it. One of the ways to do that is through home insurance. But how much coverage do you need? What kinds of coverage details are essential, and what are some that you might not need to worry about? The best way to get answers to those questions is to work with the Insurance Center of Green Valley.

If your home is financed, your lender will require you to have a home insurance policy and a particular level of coverage. That way, they’re protected if something should happen to your home. But you also want to be protected, and you might have more in or around your home than you’re officially required to cover.

Essential coverage will cover all the basics, like fires and other significant events. You want to be sure you have the right level of this protection, though, so you can make repairs or even replace your home in case of a total loss. Having a trusted insurance agent help you with this process is the right way to get valuable coverage that meets all your needs.

When you’re unsure what changes you want to make to your policy or whether it’s time to adjust your home insurance to protect your assets, working with the Insurance Center of Green Valley is the right choice. We understand that your Green Valley, AZ home is essential to you, and we want to be sure you’re covered for potential risks. That way, you can enjoy peace of mind while you spend time in your home with your family or when relaxing on a quiet day off work.

The Role Limits Play on an Auto Insurance Policy

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When was the last time you took a close look at your auto insurance policy? It is critical to know your auto policy limits and their role in your coverage. Serving the Green Valley, AZ area, the Insurance Center of Green Valley team is here to help shed light on the confusing subject.

The Limits and Their Role

When you are taking a look at your auto insurance policy, you will immediately go to the coverages that you have. What do these dollar amounts represent, though? Normally, they will speak to the limits that are in place.

In the sense of the insurance carrier, when they agree to limits on an auto insurance policy, that is the dollar amount they will pay up to in the event of a covered loss you suffer. For example, if you have a claim of liability placed against your auto insurance policy and the limit is $100,000, the auto insurance policy will cover up to that amount in losses. 

The Max of the Limit

The limit is your max point of coverage with your auto insurance carrier. Once you hit that amount, you will no longer be eligible for additional coverage. A Green Valley, AZ insurance policyholder would need umbrella insurance over their auto insurance to receive any additional coverage. If you want to know more about auto insurance, your policy limits, and how you can be sure you have adequate coverage, contact us at the Insurance Center of Green Valley today!

Three Most Destructive Pest Infestations

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Pest infestations can take a toll on your home and can even affect your home’s overall value. To keep your home safe from pests, you need to know what to be on the lookout for. Here at the Insurance Center of Green Valley, we want to help homeowners in Green Valley, AZ, and the surrounding areas keep their homes in tip-top condition. Keep reading to learn more about the three most destructive types of pest infestations. 

Termites

It is probably no surprise that termites are top of our list. Termites are insects that feast on wood and burrow into the wooden structures of your home. When left unchecked, termites can devastate your home’s value and even your home’s safety. Wooden structures weakened through termites can crumble or fall, endangering you and your family members. 

Catching a termite infestation early is vital before the destruction has gotten too bad. If you suspect termites in your home, contact a pest expert immediately. 

Bees

Bees are surprisingly a destructive pest as well. Carpenter bees can burrow into wooden structures in your home and cause damage. They often attack porches, doorways, patios, decks, and outdoor wooden structures such as play sets or barns. This can create a safety risk as the weakened structures can fall. A pest control expert can help you get rid of carpenter bees quickly. 

Rodents

Rodents are also a hazard to your home due to the fact that they will gnaw on critical things such as wood, wiring, and even insulation. Rodents also pose a health risk to you and your family as well. 

If you want to learn about our home insurance products, please contact us at the Insurance Center of Green Valley, serving Green Valley, AZ, and the surrounding areas. 

Common Myths About Commercial Insurance

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One of the best ways you can relieve some of the stress of being a business owner is by investing in a commercial insurance policy. Unfortunately, there can be a lot of misinformation surrounding these insurance plans, leading many Green Valley, AZ owners to neglect this aspect of their business. At the Insurance Center of Green Valley, we strive to bust those myths and help you protect your company.

My Business Isn’t Big Enough for Insurance

The importance of commercial insurance isn’t tied to companies of a specific size, location, or industry. The smaller a business, the more important a commercial insurance policy may be for its bottom line. Ensuring you have coverage before a significant event can save you thousands.

Commercial Insurance Is Too Expensive

Though not free, commercial insurance is well worth every penny. A policy can be the difference between paying all expenses out of pocket and having a safety net to bear the costs. Neglecting insurance coverage will only hurt your business in the long run.

I’m Already Covered With General Liability Insurance

Unfortunately, general liability insurance won’t protect you should an employee get hurt on the job or damage be done to your property. General liability is, in truth, only suited to cover damages done by your business to individuals outside of yourself and your employees. Should a fire or other natural disaster occur, you’ll also be covering expenses out of pocket.

Protect Your Assets With Help From the Insurance Center of Green Valley

The bottom line is if you own a business, commercial insurance is a must. By partnering with a Green Valley, AZ insurance agent, you can find the policy that best fits your needs and budget. Don’t hesitate! Contact our team today.

Tips to improve your gas mileage

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We all know that gas prices are high here in the Green Valley, AZ area and that keeping our gas costs low is becoming increasingly important. Thankfully, there are various ways to improve your gas mileage so you can get more out of every tank. Here are a few tips from us, the Insurance Center of Green Valley to help you save on gasoline: 

  1. Keep Tires Properly Inflated – Ensuring your tires are properly inflated is one of the easiest ways to boost fuel efficiency. Underinflated tires put more strain on your car, forcing it to work harder and consume more fuel in the process. 
  2. Slow Down – Driving slower is another excellent way to boost your MPG while also making the roads safer for everyone. The faster you go, the less fuel-efficient your car becomes, so it pays off in the long run if you take things slow and steady when behind the wheel. 
  3. Use Cruise Control – When driving at a steady speed, such as on highways or interstates, cruise control can help reduce strain on your engine and improve fuel consumption by up to 15%. 
  4. Take Advantage of Gas Price Apps – Several apps can help you find the lowest gas prices near you and save money at the pump. Many of these apps even offer rewards for using their services, so be sure to check them out! 

By taking advantage of these simple tips, you’ll be able to get more miles per gallon and save money simultaneously! For more tips, call us at the Insurance Center of Green Valley today. We are proud to serve the Green Valley, AZ area.

The importance of carrying workers compensation insurance

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Workers’ compensation insurance from the Insurance Center of Green Valley is an important form of insurance for any Green Valley, AZ area business that employs employees full-time or part-time. It provides an essential layer of protection for businesses, employees, and their families in the event of accidents or injuries that occur in the workplace. By providing financial help to workers if they become injured or ill due to their job, workers’ compensation insurance helps to ensure that both business owners and employees can focus on their work with peace of mind.

Workers’ compensation insurance can also provide employers with liability protection against claims made by employees who claim they were injured while in the workplace. In addition, it helps cover wages lost during an employee’s rehabilitation period following an injury or illness. 

This type of insurance is legally required in most states, so it should be a top priority when setting up your business structure. It’s also a wise choice for business owners who want to protect their company and its employees from unexpected incidents occurring on the job. Investing in workers’ compensation insurance is an intelligent decision that will benefit everyone involved in running a successful business.

For more information or to explore a policy that will protect you and your employees, call us at the Insurance Center of Green Valley today. We are proud to serve the Green Valley, AZ area and would be happy to help you find a policy that meets your needs and budget. You, and those you employ, will sleep better knowing they are protected.

Three Ways To Protect Your Home From Pests

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There are so many different things that can threaten our home, including the smallest of pests. At the Insurance Center of Green Valley, serving Green Valley, AZ, and the surrounding areas, we want to help you defend your home on all fronts. Keep reading to learn ways to protect your home from pests. 

Don’t Ignore Infestations

If you start to see any signs of infestations, take care of them immediately. Pests will not simply go away on their own. Many pests, such as termites, will only grow worse over time. It may be tempting to ignore the problem and hope it resolves itself, but this is not a wise move and will likely cost you more money in the long run. 

Use Professionals 

It is always advisable to use professional pest control when you have a pest issue. These professionals will be able to properly assess the extent of the problem and provide services that will eliminate the pests quickly. Professionals also have access to products and equipment that you would not be able to access as well. Licensed pest control experts can use certain products because they are trained and certified to do so safely. Regular homeowners will not be able to access these types of products and therefore could not do as thorough of a job. 

Annual Checkups

Having your home evaluated annually for pests is also a good idea. This allows you to get ahead of the problem before an infestation starts. 

If you would like to learn about home insurance services, please get in touch with us at The Insurance Center of Green Valley, serving Green Valley, AZ, and the surrounding areas.