Regular Auto Insurance Reviews: Why They’re Crucial and When to Make Changes

As a responsible vehicle owner, your auto insurance is your last line of defense against unexpected events. Ensuring you, your passengers, and your vehicle always have adequate protection is paramount. Based in Chandler, AZ, the San Marcos Insurance Group can assist in reviewing your policy to ensure it’s up-to-date and offering optimal protection.

When to Consider Adjustments to Auto Insurance

Certain situations necessitate changes to your insurance coverage. For instance, if you’re adding or replacing vehicles in your household, you’ll need to reflect these changes on your policy. The coverage level may vary depending on factors such as the vehicle’s age. Moreover, changes in your household’s driver lineup, like a child earning their driver’s license or moving out, should prompt timely policy updates. This ensures that your policy accurately covers all regular drivers and vehicles.

What Triggers the Need for an Auto Insurance Review?

A good rule of thumb is to consider an insurance review at least once a year. However, major life events or notable changes to vehicles or drivers in your household also justify a review. At the San Marcos Insurance Group, we are ready to help residents of Chandler, AZ, navigate these changes. Our experienced team promotes informed decisions regarding auto insurance policies and coverage options. The protection of our clients and their vehicles is our priority. Contact us today.

If you’re in the Chandler, AZ area and looking to update your auto insurance policy, the agents at San Marcos Insurance Group can help. We understand that getting insurance for your vehicle is easy, and you want to ensure it stays valid. Many people don’t think about making significant changes (or even small ones) to their policy after they have it, but sometimes that’s important.

1. Going Over Details to Make Sure They’re Accurate

You and your agent need to ensure there aren’t any problems with the information listed on your insurance policy. If something isn’t accurate, and you’ve just noticed it, it’s important to update it as quickly as possible. Some inaccuracies can put you at risk of liability in the event of an accident or other claim, so you want to let your agent know about any needed corrections.

2. Helping You Make Adjustments During Big Life Changes

Big life changes may also need vehicle insurance updates. If your child turns 16 and needs to be added to your policy, for example, you’ll want to make sure you’re covered. Buying or selling a car also requires an update, as does getting married or moving to a new home. It’s better to err on the side of caution and ask an agent to help with any significant changes.

3. Offering a Yearly Review to Make Sure You’re Up to Date

A yearly review is a great way to ensure your insurance policy protects you as well as possible. If you’re in the Chandler, AZ area and looking for a review and update of your auto insurance, contact us at San Marcos Insurance Group for help today.

In Chandler, AZ, a basic automobile policy will include liability coverage, which the state of Arizona requires. At San Marcos Insurance Group, we are independent insurance agents, which allows us access to more options and the best possible rates. We give personalized service to our customers and work with you to ensure your coverage fits your needs. 

Roadside assistance

With roadside assistance, you can drive with the confidence that if anything happens to your vehicle, you will not be stranded. You will be able to get help and a tow if that is needed. 

Full glass coverage

If you have comprehensive coverage on your vehicle, you will have glass coverage, but you will have to pay your deductible. That may be as much as $500 or more. If you have full glass coverage, you can get the glass replaced without any deductible. 

Rental car coverage

Rental car coverage is not for a rental vehicle you may use for vacation. The rental coverage will provide you with a rental car if your vehicle is damaged or totaled in an accident. It makes it much easier to get by until your car is fixed or replaced. 

Gap coverage

Most people who buy a new automobile have an auto loan. It depreciates as soon as you drive off the lot with your new vehicle. The value that the insurance company assigns to your vehicle may be much lower than the amount you owe on your loan. If you have gap insurance, it will fill in the gap left by the coverage.  

Contact San Marcos Insurance Group in Chandler, AZ for auto insurance or a free quote. 

 

Auto insurance is essential when you own a vehicle in Chandler, AZ. When you’re looking for auto insurance coverage, we can help at San Marcos Insurance Group.

There are a few important goals you need to focus on when it comes to meeting your auto insurance needs. Here are four important goals when you buy auto insurance. 

Protecting your finances

Auto insurance protects your finances against liability expenses you may face if you get into an accident. Auto insurance also protects your finances by compensating you for damage to your vehicle. You invest a lot in your car, so it’s important that you don’t experience financial loss if your vehicle gets totaled. 

Enjoying convenience

Auto insurance can make life much more convenient for you. Invest in roadside assistance coverage to get a tow truck out to meet you if your vehicle breaks down on the roads. Invest in rental vehicle coverage to have backup transportation when your vehicle is being repaired after an accident. 

Meeting your legal responsibilities

Don’t forget that auto insurance isn’t an option. You’re legally required to have some auto insurance coverage to be a financially responsible motorist.

Taking advantage of available discounts

There are plenty of discounts that many motorists can qualify for. You can qualify for discounts if you have a good driving record. You could also be eligible for discounts if your vehicle has certain safety features. 

Let us help you meet all these auto insurance goals at San Marcos Insurance Group. Contact us today, and we’ll give you a quote on an auto insurance policy for your vehicle in Chandler, AZ.

If you own a vehicle, you’re required to have auto insurance coverage. However, there is also other coverage you may need or consider. You can count on the experts at San Marcos Insurance Group to provide the residents of Chandler, AZ, with policy options that meet their needs.

Auto Insurance Coverage

Auto insurance coverage offers you a blanket of protection against risks. If you would like to secure the right level of coverage for your specific situation, our insurance agents can help. We carefully assess your requirements and match you with the coverage you need. If you live in a storm-prone area, you’ll want to ensure you have comprehensive insurance no matter what. If there is damage to your car, this coverage will protect you.

Some other policy options include collisions, towing, hospitalization, and more. Find out which meets your needs and benefit you most by consulting with one of our agents. They can work closely with you to ensure you understand which options are available and if they work best for your situation. We believe in providing complete customer service before, during, and after securing the policy. 

Reach Out Today

Don’t wait for the auto insurance protection you need to avoid losses related to events such as hurricanes. Call or stop by the San Marcos Insurance Group office today to find out which policies are correct and offer the most protection. We are committed to educating our customers so they understand the fine print and terms and conditions for each policy. It’s a part of our commitment to excellent service for the residents of the Chandler, AZ area. 

Determining which car insurance to carry is arguably one of the most critical decisions a Chandler, AZ resident will make regarding their life as a driver. That said, it’s just as important to know what to avoid when weighing your options as it is to know what to do.

At San Marcos Insurance Group, we can help you avoid common pitfalls like the following.

1. Ignoring the Importance of Credit History

A person’s credit history hasn’t always mattered when buying car insurance in Arizona. But that changed in the late ‘90s when insurance companies began considering credit when setting rates. That said, managing your credit wisely is one of the best things you can do to ensure access to the best policies.

2. Not Updating Policies Often Enough

Accidents aren’t the only thing that can affect your auto insurance policy. Changes to your lifestyle or general life situation – like buying a home, having a child, or getting married – can, too. This often also works out in your favor, so always report life changes to your carrier as soon as they happen.

3. Improperly Assessing Insurance Needs

Every driver is different regarding what they need in an auto insurance policy, so it’s crucial to make sure you’re thoroughly evaluating yours before settling on a particular option. Commonly overlooked circumstances include the driving records of any family members, potential choices in future vehicles, etc.

Ultimately, the right auto insurance policy is a must if you’re serious about appropriately protecting yourself, and the right insurance agency can help adequately assess your options.

If you’re located in or near Chandler, AZ, we at San Marcos Insurance Group would be proud and pleased to help you choose the ideal auto insurance policy for your household. Get in touch today for more information!

You may think you are out of luck if your driver’s license is suspended and you need auto insurance in Chandler, AZ. However, there are a few steps you can take to get the coverage you need. In this blog post, San Marcos Insurance Group gives an overview of what to do if your driver’s license is suspended and you require auto insurance in Chandler, AZ. 

Getting Auto Insurance with a Suspended License

If your license is suspended, it does not mean that you cannot get auto insurance in Chandler, AZ—it just means that finding coverage will be more challenging. Some insurers will refuse to provide coverage for drivers with suspended licenses, so the best thing to do is shop around for an insurer who will accept your application. Some insurers specialize in providing coverage for high-risk drivers and may be willing to give you coverage even if your license has been suspended. 

It is important to note that while some insurers may accept applications from drivers with suspensions, they will typically charge higher premiums since they are considered high-risk drivers. Additionally, most insurers will require proof that your license has been reinstated before they can provide coverage, so check with them before signing up for any policy. If all else fails, you could consider getting non-owner car insurance which provides basic liability protection without requiring a valid driver’s license.             

If your driver’s license has been suspended in Chandler, AZ, due to unpaid tickets or other violations, don’t despair. There are still options available, even though it might be more complicated than usual due to the circumstances surrounding your suspension. Contact San Marcos Insurance Group, and we can help you.

People living in the Chandler, AZ area will find owning a car convenient and helpful. If you want to buy a car in this area, it would be beneficial to have the right insurance for it. There are various reasons why the typical car owner in this part of Arizona should always have an auto insurance plan in place for their vehicle.

Meet State Insurance Requirements

One reason why car owners in Arizona will want to have an auto insurance plan is so they can meet state insurance requirements. Anyone that is going to drive a car will need to at least have liability insurance for their vehicle. If you do not, you will be in violation of state law. A proper auto insurance plan will ensure you comply with these obligations. 

Cover Vehicle

Beyond having insurance to mitigate liability risks, you also need to have an auto insurance plan to protect your vehicle. When you buy a car, you will be making a significant investment. If you do not have insurance, you could lose your investment if the vehicle is stolen or damaged. With an auto insurance plan, you will have the support necessary to cover your car. Full comprehensive coverage will also likely be required if you have taken out an auto loan. 

Owning a car is very common for people in the Chandler, AZ area. When you own a car, it is wise to call the San Marcos Insurance Group to discuss insurance. There are a lot of choices to make when looking for coverage, and the San Marcos Insurance Group will provide the support you need to build your next auto insurance plan. 

Auto insurance is more than a necessity. It’s the law. Like most other states, Arizona has minimum auto insurance mandates that all drivers must meet. Failing to provide even the most essential coverage can result in fines or suspensions of driving privileges. Getting behind the wheel without insurance isn’t worth the risk.

Fortunately, San Marcos Insurance Group can help. Located in Chandler, AZ, their agents list three items that every auto insurance policy must include.

Bodily injury liability

All drivers in The Copper State must carry liability coverage. Bodily injury liability reimburses any expenses related to physical harm caused by an accident. The state requires each driver to have at least $25,000 in bodily injury liability for a single person. By law, a total of $50,000 is needed per accident.

Property damage liability

As the name implies, this liability applies to a person’s possessions. While vehicular damage is included, it safeguards against destroying mailboxes, fences, sheds, and other structures. Arizona drivers must have a minimum of $15,000 property damage liability per accident.

Uninsured and underinsured motorist coverage

As a "comparative fault" state, you could get stuck footing the bill for an accident, even if another driver has inadequate coverage. That’s where uninsured motorist protection kicks in. It doesn’t matter if you are partially or fully responsible for a collision. This extra protection fills in the gaps. Although this is added to most policies, Arizona residents can choose to opt out if they do so in writing.

Contact an agent serving Chandler, AZ.

Even though these items will keep you compliant with state laws, the minimum coverage is rarely enough. San Marcos Insurance Group goes beyond these requirements to find a policy that protects you and your family. Call to schedule an appointment today.