Chandler, AZ Auto Insurance

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In the state of Arizona, Auto Insurance is required to operate a motor vehicle, so this is a requirement that must be satisfied before you hit the road.  This requirement is set in place not only to protect other drivers on the road, but it protects you as well in case of an accident.  Another factor to take in for insurance purposes is the unique weather conditions that apply from time-to-time in Arizona which includes dust storms and the possibility of flash floods.  The state of Arizona has certain minimum coverages that need to be met before you’re legally able to drive on the road.

These minimum coverages include underinsured motorist coverage, uninsured motorist coverage, property damage coverage, and bodily injury liability coverage.  

Underinsured Motorist Coverage covers motorists who have insurance but their coverage isn’t enough to pay for your damage and medical bills in an accident.  Uninsured Motorist Coverage covers you in the event of an accident with someone else who doesn’t carry insurance.  This covers your own medical expenses and damage that would normally be covered under the other driver.

Property Damage Coverage covers damage to the other parties’ property in an accident that you’ve caused.  This covers building damage and other artifacts (mailboxes, posts, etc.) that are tied in with the property.  Bodily Injury Liability Coverage covers injuries to the other party in an accident that you’ve caused.

To be legal to drive and covered for all situations, you need a quality company like San Marcos Insurance Group.  Serving Chandler, AZ, they handle all facets of car insurance and can help you stay protected in case of an accident.  Contact San Marcos Insurance Group in Chandler, AZ and find out how they can help you with your insurance needs today!

Making a home inventory in Chandler, AZ

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Making a home inventory seems like a daunting task. Unfortunately, if you put it off, it could cause you a lot of time and trouble in the long run. You may never be able to recover the damages if you are involved in a disaster.

If you live in Chandler, AZ, we at San Marcos Insurance Group can assist you in planning your home inventory. That way you will have the list of your items, including important serial numbers if you ever need it.

Going Room By Room

The biggest mistake people make is trying to do it all at once. You can take a lot of the pressure off by breaking the job down room by room or by sections. Just plan an hour once a week until the job is done if you feel like you’re too busy. The job will get done as long as you stay on track.

Using Video

With phone videos and free online storage, you can easily make an inventory of your belongings and their condition with your own cell phone. Just go through and organize items first, then save the videos and label and store them in the same place. This will not only make the job easy, but you will be able to access the information easily if you need it.

Get Started Today

The sooner you get started, the sooner you will be finished. You won’t regret the time you spend, because you will feel more relaxed just knowing you’re prepared.

If you live in Chandler, AZ we can help you. If you need any tips on the best way to inventory your home, or if you want to discuss your homeowner’s policy,  please feel free to call us at San Marcos Insurance Group today. 

The ABC’s of Auto Insurance

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It can be difficult to determine what type of coverage you need when selecting car insurance. However, understanding your state law requirements as well as a variety of other factors should make it easier. Selecting the right type of auto insurance policy is a personal decision. It should be based heavily on state requirements as well as your lifestyle and vehicle. 

What is Legally Required?

The San Marcos Insurance Group serves Chandler, AZ and understands that selecting a policy that meets state requirements is the first priority. Arizona state requirements include Bodily Injury Liability Coverage for no less than fifteen thousand dollars per person and thirty thousand dollars per accident. The requirement for Property Damage Liability Coverage must be at least ten thousand dollars. When you’re shopping for the right auto insurance policy, your first concern should be meeting all your state minimums. After that, you can add other options to your policy to meet your personal and lifestyle needs. 

How Much Coverage Do I Need for My Car?

Not all cars require full coverage auto insurance. Generally speaking, if the yearly cost of full coverage cost more than ten percent of the value of your car, you probably don’t need full coverage. In fact, liability may be all you really need. However, if you have a newer car or the value of your car exceeds ten percent of the cost of full coverage insurance, you should probably invest in it. In fact, if you are currently paying for your car and have a lien holder, a full coverage policy is usually a requirement. 

What Factors Affect Your Insurance Policy?

In addition to state requirements, your car’s value, and lien holder requirements, specific details about your car can affect how much you pay for car insurance. Your car’s mileage and the age of your car often impact how much insurance you need as well as how much you will pay for coverage. Other factors include your credit, driving, record, and safety options like airbags. Your insurance agent will go over each of these factors in detail.

How Do You Personalize Your Policy?

Your lifestyle will also play a role in how much coverage you should get and how much it will cost. For example, if you don’t drive very often, or drive under 12,000 miles a year, your policy may cost less. Your cost will also be determined by how you use the car. If your car is used for a business in addition to personal use, there may be more coverage required. Typically, older cars with higher mileage require less insurance simply because the cost of replacing them if they are totaled, usually exceeds the value of the car. 

Investing in an automobile policy should include all the state required minimums in addition to any other additional coverage that suits your vehicle usage. The type of coverage you select should be based on your lifestyle and preferences as well. For example, If you drive more than 12,000 annually, you need a policy that will reflect this. There are other personal details that should be considered when selecting a policy that will suit your needs. The best automobile policy for your particular situation will include your states insurance requirements and coverage that fits your car and lifestyle needs.

 

 

 

Is Anything More Important Than Your Health?

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Have you ever noticed how we seem to get sick at the most inconvenient times, like every time we get sick? If only we could schedule when we were going to get sick with that one bug that’s been passing around the office. If only we could choose when we were going to have that accident at work that would cost us a visit to the hospital and two weeks of work. If only we could never schedule that serious injury, illness or disease, but we can’t.

That doesn’t mean people have to take getting sick or hurt lying down (so to speak), and people like those in Chandler, AZ have done the next best thing besides not getting sick, they get insured. The experienced and helpful agents at the San Marcos Insurance Group are here for that very reason because we can’t completely avoid getting sick, hurt or having an accident but we can prepare.

Insurance for Your Health

When we talk about health insurance, we are literally talking about your health. Of course, that includes a discussion about plans and policies. It will mean working with an agent from the San Marcos Insurance Group who will take the time to discuss, explain and help you choose the right insurance plan. That means talking about help with hospital bills and medication or lost wages and more. What our neighbors and friends in Chandler, AZ also get, is the knowledge, the peace of mind of knowing help will be there if they ever need it.

If you are looking into updating your health insurance, wanting a new plan or just to compare rates, then contact us today. We can’t prevent everything but we can prepare for almost anything, and is there anything more important than our health?

Can Life Insurance Provide A Source Of Emergency Funds?

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Life insurance is a wonderful product that can help the policy owner cover expenses of their loved ones after their passing. It can be used for many things, including final expenses and general living costs for years to come. But is life insurance able to provide a source of emergency funds in the future?

Insurance As A Source Of Funds

There is always the risk of a financial emergency cropping up along the way. Many people don’t realize that whole life insurance not only provides coverage for an unexpected death, but it can also be used as a source of emergency funds after several years of paying into the policy. This is a great solution for people who are retired and have unexpected financial issues such as a health emergency or home repairs. 

Find The Right Type Of Life Insurance

Anyone who is interested in purchasing a whole life insurance policy should be careful during the selection process. Finding a good policy that can match current and future needs is much easier when working with a skilled agent who can recommend products and help clients calculate potential future needs in the event of their covered death. Additionally, they can help find a policy that can provide a source of emergency funds later down the road. People who live in the Chandler, AZ area who are considering purchasing life insurance should check out San Marcos Insurance Group.

Life Insurance is a wonderful insurance product that can provide security in more than one way. Call or visit the San Marcos Insurance Group office today. The residents of Chandler, AZ can depend on their agents to help them discover the right solutions for their needs. 

How to Choose a Commercial Insurance Policy

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The commercial insurance policy you choose will depend on a number of different factors. Obviously, a small organization will need far less coverage than a medium or large business. But the deeper details of a commercial insurance policy aren’t always obvious. Here are a few points to keep in mind from San Marcos Insurance Group if you own a business in Chandler, AZ. 

Employees, Customers, and Vendors 

As a business owner, you’re not just responsible for the safety of your employees, but also that of your customers and third-party vendors. If you have a busy organization where people are coming and going throughout the day, your odds of an incident increase significantly. Whether it’s from a natural disaster that can’t be avoided or a water spill that wasn’t cleaned up fast enough, you need a policy that can handle a variety of claims. 

Virtual Crime

Businesses aren’t just targeted by thieves in the physical world anymore. Today, they need to be prepared to fend off virtual threats as well. Most commercial insurance policies will cover cybercrime, but owners are highly encouraged to find out just how much coverage they’ll receive in the event of a breach. Just one security hack can not only cause asset loss, but it can also damage a business’ reputation. Customers will be less likely to trust you if they know their information was stolen. 

Filling in the Gaps 

San Marcos Insurance Group is here to help the business owners of Chandler, AZ find a policy that will work for them. If you have any questions, call us today to find out more about how we structure our policies and process our claims. We can make it easier to finalize your policy choice in total confidence. 

How do home insurance claims work in Chandler, AZ

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We all purchase home insurance to keep our assets and loved ones protected, but the question "how do home insurance claims work" is disastrous. No, one wishes to claim on his or her home insurance, despite paying for it every other month–it simply means something must have terribly gone bad. 

The truth is that disasters do happen, and the last thing you want is getting back to normalcy as soon as possible, and your favorite insurance company– San Marcos Insurance Group also wants that. With that said, your insurance company should help make the process as smooth and as fast as possible.

How insurance claim work

The first and probably the most fundamental step is reporting the incident to your insurance provider, officially known as filing a home insurance claim. An adjuster will immediately be sent to your house to inspect the damage. It is he or she who will determine how much the company will reimburse you for the claim. 

Most insurance companies in Chandler, AZ, will check for the repairable damages and send technicians to do the repairs. If the house was burnt to ashes, then pure compensation will apply upon which must be granted immediately to help you organize and settle again. Some companies offer a settlement on the spot and pay for the furniture.

Note that your insurance claim adjuster plays a vital role in ensuring that you get fully compensated for all the damage and loss incurred. Therefore, having a competent insurance company like San Marcos Insurance Group will make sure that detailed questions are asked and a note-down of all damage, is done to provide a clear figure of the payment you deserve. For quotes or policy discussion visit us at Chandler, AZ or call us to schedule an appointment.

 

what is comprehensive auto insurance in Chandler, AZ and what does it cover?

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Road accidents do not have to necessarily involve collisions; you could hit an animal, rock or tree branch that fall on your car as you park. However, with the right auto insurance policies from San Marcos Insurance Group you are assured that wherever your vehicle is, it is always protected. Comprehensive coverage is what you need—it covers for expense and damage that may result from anything other than collision.

One crucial point to understand is that comprehensive insurance is not a requirement by law, but is an important policy based on the value and use of your car. Although comprehensive insurance is sold separately from collision insurance, the driver must typically have collision insurance to be allowed to buy comprehensive coverage.

What does a comprehensive insurance cover?

  1. Vandalism
  2. Theft
  3. Fire
  4. Natural disasters such as tornado or hurricane
  5. Falling objects
  6. Civil riots, explosions, or disturbance that may lead to car damage
  7. Rocks
  8. Storms, floods, earthquake, hail, and lightning
  9. Accidents with animals

Note that if you were driving and came across an object or animal which prompted you to swerve to avoid hitting it, but instead hit another vehicle, that accident will be covered under collision and not comprehensive insurance. Collision coverage is a requirement in Chandler, AZ, as it is the pillar cover on the road. The only problem with it is that it is limited.

At San Marcos Insurance Group, we recommend having both insurance policies as they work hand in hand to keep you safe. If you are a car enthusiast, you probably won’t appreciate even colliding with a small stone, and comprehensive insurance provides you with the ultimate protection needed. Visit us at San Marcos Insurance Group in Chandler, AZ today and be safe.

What does it mean that Arizona is a “fault” state?

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When it comes to auto insurance there are states that have chosen to be a “fault” state and others that are “no-fault” states. Arizona is a fault state. This means that in the case of an auto accident, there is a determination made of who is at fault for causing the accident. If the at-fault driver is disputed then this dispute is settled by a court case. Sometimes the court determines that the fault was proportional between more than one driver.

What happens if you are at fault?

The person who is at fault is responsible for the damages incurred by all parties and any injuries or deaths caused by the accident. Talk about these concerns with your auto insurance agent at San Marcos Insurance Group, serving Chandler, AZ and the surrounding area, to make sure you understand your coverage, deductible, and policy limits. You need to know what would happen if the court was to determine that you are all or partially at-fault.

What happens if another driver is at fault?

If you are in a vehicle that is in an accident caused by another person, you may be able to get reimbursed for any medical bills and treatment. You may be compensated for any lost wages and paid for any property damage. You may also be reimbursed for any direct expenses related to the accident such as towing, storage, and the cost of a rental car while your car is repaired. You may also recover an extra amount for pain and suffering.

What happens if the person causing the accident is not insured?

If the person at fault for causing the accident does not have any insurance or the insurance that they do have is not sufficient to pay the full claim, you can sue them for the excessive damages. However, collecting from them may be problematic. This is why it is a good idea to also carry “uninsured motorists” coverage in addition to your regular auto insurance coverage.

If you have this extra protection then your own insurance company will pay the claim if the other driver, who is at fault, does not have insurance or the amount that they have is insufficient.

Consult with your agent at San Marcos Insurance Group in Chandler, AZ to get a quote for new auto insurance or update an auto insurance policy that you already have.

Prescription Medication Coverage

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Prescription drugs are one of the most expensive components associated with healthcare. Not all health insurance policies offer prescription drug coverage that allows you to get your medications at a much lower price than their regular list price. At San Marcos Insurance Group, agents work to make sure that residents who live in the Chandler, AZ area can afford the medications they need to maintain their health.

Co-pays

One of the ways to make prescription drug coverage more affordable is to use a co-pay. While this can range anywhere from one or two dollars to $10, the co-pay is used to help offset the cost of the premiums charged for the policy. Much like deductibles for other types of insurance policies, co-pays are designed to save you money.

Lower Overall Costs

Prescription drugs can cost thousands of dollars for only a few doses. These types of inflated costs can put effective treatment options far out of reach for people with limited resources. Purchasing a prescription medication policy to accompany a health insurance policy is one of the best ways to make expensive medications much more affordable. While it isn’t a complete remedy, this type of policy will help to make healthcare much more affordable.

Agents at the San Marcos Insurance Group are always available to discuss insurance options with the residents of Chandler, AZ. They have the experience and knowledge needed to review your health insurance and prescription drug coverage. By performing an in-depth audit, they can help you find the right policies to provide for your individual needs. Call and schedule an appointment today to find out how they can help you live a healthy life with the medications you need.