San Marcos Insurance Group

Do I need to get auto insurance in Chandler?

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When you are in the Chandler, AZ area, owning a car is a practical necessity. If you want to be able to get around this city and the rest of the surrounding communities, you will need to have your own vehicle. If you are going to buy a car here, you will want to get insurance for it. There are a few reasons why you need to get a full auto insurance plan for your car here.

Insurance is Required in Arizona

A reason that people in the Chandler area need to have coverage is that it is required by the state. If you want to be able to drive anywhere in Arizona, you need to have liability insurance protection in place at all times. Those that do not maintain this coverage could face penalization. This can include being assessed a penalty or even losing your license to drive. 

Insurance Protects Car

You will also want to get auto insurance here to ensure that your vehicle is protected. Your car is a very important asset that you will rely on daily. To ensure that you are able to drive this on a regular basis, you will want to have insurance. With this coverage, you can be protected if your car is stolen or damaged during an accident and needs repair or replacement. 

Those that are in the Chandler, AZ area and want to get an auto insurance plan should call the insurance professionals with the San Marcos Insurance Group. If you do call the San Marcos Insurance Group you can learn a lot about your different insurance options. The team here will also be able to help you assess your needs and build a policy that protects both you and your vehicle.

What are the benefits of having health insurance?

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When you are in the Chandler, AZ area you will have a few different types of personal insurance needs. One type of insurance that you are going to need to get is health insurance. There are several benefits that will come when you get a health insurance policy. 

You Will Have Access to Affordable Care

One of the primary advantages that come when you obtain a health insurance plan is that you will have access to affordable care. Anyone that would like to get health insurance in this area of the state will then be able to find a local physician to provide their primary care. If you ever become ill or hurt, you will also be able to receive the care that you need at a far more affordable rate. Ultimately, this can help to ensure you get care when needed without breaking the bank.

Policy Will Ensure Legal Compliance

You will also want to get health insurance as it can help to ensure you stay in legal compliance. Everyone across the country is required to obtain health insurance for themselves and their dependents. If you do not have this coverage, you could be required to pay a penalty when the year comes to an end. 

Those that are in the Chandler, AZ area and would like to get a proper health insurance plan should call the San Marcos Insurance Group. The team with the San Marcos Insurance Group understands how important it is to select the right health insurance. They can provide great service by assessing your personal situation to determine what type of coverage you should get. This will help to ensure that you get into a policy that is right for you and provides access to the healthcare that you need. 

How Does Whole Life Insurance Work?

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A whole life insurance policy works very differently from a term life. It has its own rules and benefits, and it’s a popular choice for those who want to financially protect their families. If you need life insurance, call us at San Marcos Insurance Group in Chandler, AZ to find out more. 

A Lifetime of Insurance

While term life is in effect for a specific time period, whole life stays in effect for the rest of your life. It is an insurance type that is there when you need it, no matter what your age. If you keep paying the required premiums, your insurance cannot be canceled by the insurance carrier. And, the rate doesn’t go up over time. There is a set rate for your premiums, and this will not increase as you get older. Upon death, it pays a specific death benefit to the beneficiaries as agreed in the contract. 

Building Cash Value

Another facet of whole life insurance is that it slowly builds a cash value. The insurance company that issued the policy will take a portion of the profits made on it, through the company investing the premiums, and puts it into a cash value that you can borrow against if you ever need to. When you borrow it, the borrowed amount is deducted from your death benefit until the loan is paid back. If you were to die before the loan is fully paid off, the remaining amount is subtracted from your death benefit. 

Get Insurance for Life

If you are interested in getting a whole life insurance policy, call us at San Marcos Insurance Group in Chandler, AZ to get more information and to talk to an agent about your specific coverage needs. 

Commercial Insurance for Doctors

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Although Arizona does not require medical practitioners to carry malpractice insurance or E&O insurance, many of its hospitals do. San Marcos Insurance Group wants you to protect your Chandler, AZ medical practice with the types of insurance policy those in the medical field need.

While the state does not require doctors, nurses, or other medical practitioners to carry commercial insurance, you should do so to protect your business’ financial health. Most hospitals require each medical practitioner to purchase a malpractice policy, one of the types of commercial insurance that applies to medical personnel.

This type of policy pays the settlement costs and legal and court costs if you, the medical practitioner, act with negligence in the course of delivering your expected level of care. While the hospitals also carry insurance, they require each individual practitioner to also provide their own policy.

A physician who builds medical devices, whether of a prosthetic nature or equipment to treat a medical issue requires E&O insurance. The E stands for errors and O stands for omissions. This type of insurance applies to situations where the device fails and harms the patient and/or fails to function as intended. The patient can sue for damages, and the E&O policy pays the settlement, legal, and court costs. Many medical practitioners do not require this policy, but those who design prosthetics do, as well as those who develop medical equipment, implant technology, etc. Hospitals typically require this policy if a doctor or nurse, or technician works on developing any type of medical equipment.

These two specialized liability policies provide protection for the practitioner and the hospital. Contact San Marcos Insurance Group of Chandler, AZ to learn more about insurance policies best suited to medical practice.

Required Auto Insurance in Arizona

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States set their own requirements for the auto insurance their citizens should have in place. In Arizona, the law is slightly different from most states. If you need auto insurance, or you want to add to your auto insurance, call us now at San Marcos Insurance Group in Chandler, AZ to talk with an agent.

A Fault State

Some states are no-fault states, requiring coverage for themselves for bodily injury no matter who was responsible for the accident. However, Arizona does have fault rules. If someone has been found to be responsible for causing an accident, they are at fault for it. They have to be financially responsible for the accident. 

Financial Responsibility

The main rule for Arizona drivers is that the driver has to take financial responsibility for an accident they cause, and they must be able to prove that they are able to do so. For most people in the state, this is done by getting auto insurance. There are mandatory minimum amounts for the bodily injury liability for each person and another amount per accident. It also requires property damage liability coverage that comes with its own mandatory coverage minimum. 

Another way that drivers can legally prove that they can be responsible for an accident is to have a specific amount in a certificate of deposit. This has to be kept by the Arizona State Treasurer’s Office, and the driver must show proof of this money is available. 

Both of these options may be too small to take care of a serious accident, however. It’s a smart decision to add to them so that you can pay for serious accidents that have a lot of injuries and property damage. 

Get Your Insurance Policy

To get your auto insurance policy, call us at San Marcos Insurance Group in Chandler, AZ to make your appointment with an agent. 

Is home insurance in Chandler necessary?

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The Chandler, AZ area is a very popular place for anyone to move to or visit. People continue to be drawn to this community due to the great weather and access to many local amenities. This can make it a great place if you want to be a property owner. If you are interested in purchasing a new home in this area, you should make sure that you get a proper insurance plan. There are several reasons why this insurance protection should be considered a necessity.

Insurance Offers Valuable Coverage

The main reason that you should consider home insurance to be a necessity is that it can offer you very valuable coverage. A quality home insurance policy will give you coverage to repair or replace your dwelling, replace your personal items, and even liability coverage. In a situation where there is a fire, theft, or other forms of loss, this coverage will prove to be very valuable.

Coverage is Required for Many

A home insurance policy is also necessary because it is required for many Chandler property owners. Many people here are required by mortgage lenders to carry home insurance as it will offer protection for the bank’s collateral. Additionally, if you live in a home association, there will be bylaws that will cover your need to carry home insurance. 

Owning a home will provide a lot of benefits to people that are in the Chandler, AZ area. If you are looking to purchase a home here, you should call the team at the San Marcos Insurance Group. When you do call the team at the San Marcos Insurance Group you can get the insight you need to pick a policy that is right for your situation. This will ensure that you and your home are properly covered and protected at all times. 

Hidden Health Insurance Facts Arizona Residents Should Be Aware Of

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Based in Chandler, AZ, San Marcos Insurance Group serves the community by offering different types of insurance coverage. As an independent agency, we offer our clients flexible policies that suit their individual needs. Providing excellent customer service is one of our top priorities.

Hidden Health Insurance Facts

Health insurance is an asset that assists you in maintaining good physical conditioning. The policy covers yearly health checkups with your doctor, as well as any urgent care visits. If you are diagnosed with an illness and you have to be hospitalized, health insurance will protect you. The policy also covers any medication that your doctor may prescribe to help you feel better. While you are researching different policies, here are some hidden health insurance facts that you may not be aware of.

Alternative Treatments

Your health insurance policy may cover you if you pursue alternative forms of treatment. If your doctor recommends that you try acupuncture, yoga, or some chiropractic treatments, your health insurance policy may allow for it.

Staying Fit

Be sure to research the terms of your policy carefully to see if there are any benefits for striving to maintain a healthy lifestyle.  It is possible that your policy may include extra benefits for going to the gym regularly and staying active. The policy may also include benefits if you are adhering to a strict diet or are generally trying to watch what you eat. To assist you, your policy may include tips on different types of food to try.

In Home Visits

If you are feeling ill, but are unable to get to the doctor’s office in Chandler, AZ, your health insurance policy may cover in home treatment. This provides you with a layer of comfort that you can rest easy at home.

Consult With San Marcos Insurance Group

To learn more information on health insurance, visit our website today!

How can commercial insurance protect my Arizona business?

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Those that are in the Chandler, AZ area will likely notice that there is a strong local economy that continues to support businesses of all types and sizes. Due to this, it can be a great place to start a business. When you are looking to start any type of business in this area of Arizona, it would be a good idea to get commercial insurance. When you get commercial insurance for your company, it will protect your organization a number of ways.

Insurance Gives Liability Protection

The risk of liability claims is a real one for any business. Those that are found liable for damages for any reason will need to pay for the damages that they caused. In some cases, this could be very devastating for your business. Due to this, you should get a commercial insurance policy as it will include liability insurance. This will help your business can remain solvent even if you are found liable for major damages.

Protection for Business Investments

Another reason that you will want to get commercial insurance is that it can provide you with protection for your business investments. Anyone that starts a business will have to invest a lot of capital to get it off the ground. This could include making investments in equipment, inventory, or other assets. If these assets were ever stolen, damaged or destroyed, the impact could be significant. With commercial insurance, you can receive protection for these assets.

If you are looking for commercial insurance in the Chandler, AZ area, you should reach out to the team at the San Marcos Insurance Group. If you do call the San Marcos Insurance Group you can learn more about this type of insurance and how it can protect you, which will help you choose the right policy. 

Do You Need to Have Auto Insurance When Your Vehicle Is in Storage?

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Is it necessary for you to keep your auto insurance even when you have your vehicle in storage? You aren’t required to have insurance on your automobile in the state of Arizona while it’s being stored though you may want to continue it through these months and make some adjustments. An independent agent at San Marcos Insurance Group of the Chandler, AZ area can assist you.
 
Change in Your Coverage
 
If you only drive your car or truck part of the year or have some reason you’re not going to be driving it for a while you should look into making a switch to storage coverage instead of your standard policies. Most companies will drop the collision and liability coverage so that you’ll only have comprehensive coverage.
 
When using storage coverage, you’d be keeping your vehicle off the street in one place, typically a locked garage. When you have this type of coverage, it should make your premium drop significantly. It applies when it comes to instances such as a vehicle that’s not used regularly, one that’s in need of repair, or if it’s owned by a military member who’s deployed. You’d still have many of the same benefits. It also helps you maintain insurance history so that there won’t be any problems where it’s considered a lapse.
 
This can be a tricky matter when it comes to some state’s vehicle registration laws. Your best bet for this situation is to cancel registration for the vehicle (which makes sense if you won’t be using it for a long time) and make sure that it remains off the road.
 
If you’d like more information and to see if you should make this change, reach out to San Marcos Insurance Group. The agents assist new and returning customers with the right fit for their situation in the Chandler, AZ region.

Do I always need home insurance in Arizona?

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The Chandler, AZ area is a community located outside of Phoenix. Property owners here have continued to benefit from the continued demand for housing, which can make owning a property a good investment. If you are going to purchase a home here, it is very important that you have it properly covered by insurance. There are several reasons why you need to make sure that your home is covered by a proper insurance plan at all times. 

Protects Investment

One of the reasons that you always need to have home insurance is that it can protect your investment. The largest purchase that most people in the Chandler area will ever make will come when they buy a home. To ensure that your asset and investments are protected, you should get a full home insurance policy. This will ensure you are covered if the property is ever seriously damaged and you need to make repairs or rebuild the home entirely. 

Ensures Compliance

Another reason that you will always need to have home insurance in Arizona is that it will ensure you remain in full compliance with your insurance requirements. Those that own a home here will likely need to take out a mortgage, which comes with specific insurance requirements. Additionally, if you live in a home association, you will be required to carry home insurance at all times. Having a proper policy will help to keep you protected and in compliance. 

Those that live in the Chandler, AZ area, and are looking for insurance for their property should call San Marcos Insurance Group. At the San Marcos Insurance Group you are going to receive support and guidance that will help you find and build a quality policy. This will ensure you are properly protected.