Month: August 2019

Mistakes That Could Nullify Auto Insurance

Posted on by agentinsure

Car insurance in Chandler, AZ is necessary and required by law. However, there are some mistakes that can nullify your auto insurance. Speak with an agent at San Marcos Insurance Group to learn more about not making these mistakes.

Non-Disclosure of Car Modifications: A car modification can affect how an insurer will rate your prices. When you are searching for a policy, you need to declare all modifications made to your vehicle. Failure to do so can nullify your policy.

Committing Car Insurance Fraud: Fraud and dishonesty are the top reasons why car insurance companies will cancel your policy. If an insurer finds out you have lied about your driving record or car details, or you have made a false claim, then you can be dropped from your policy.

Not Obeying Traffic Laws: Not only can disobeying traffic laws land you in trouble with authorities but it can also affect your insurance. Committing an offense such as driving under the influence or with a suspended driver’s license can give an insurer reasons to cancel your policy.

Not Paying Attention to Car Maintenance: It’s your responsibility as the policyholder to keep the car in a roadworthy condition at all times. This means you will need to have regular maintenance and fix any malfunctions as soon as possible.

Using Your Car for Business: Many policies will have a disclaimer that coverage is only limited to private use. If you are found using your car for business, such as transporting passengers or making deliveries, then you can have an issue with your insurance in Chandler, AZ.

Loaning Out Your Car: You and named drivers on the policy should be the only people using your car. If you loan out your car to a friend, you can invalidate your insurance. In the car is involved in an accident, the insurance company may not pay for the damages.

Contact San Marcos Insurance Group to get a quote on auto insurance. 

Why Is My Home Insurance Premium Different from My Neighbors?

Posted on by agentinsure

Most people know that their insurance premiums are based on the individual property and homeowner. However, it may be frustrating to learn that someone living right next door is paying a different price than you. After all, you live in the same area and may have homes appraised at approximately the same value. But there’s more to a home insurance policy that meets the eye. San Marcos Insurance Group wants everyone to have the facts. 

Multiple Factors

When you live in Chandler, AZ,  you obviously have certain things in common with your neighbors. However, you also have plenty of things that make you unique. Your insurance premium may not just cover the costs of the structure and the grounds, it may also cover your possessions too. The more valuable your things are, the higher your premium will be.

Home insurance will also cover the fixtures in the home, which is important if you’ve had anything remodeled. If you put in all new kitchen appliances, you’ll need a stronger policy in case they’re damaged. Finally, home insurance covers your lifestyle choices as well. So if you work with dangerous tools or equipment, your premium may be higher to account for property damage from accidents.

Going Over Your Policy 

It takes some effort to run through a homeowner’s insurance policy, but we can tell you that it’s worth it. If you’re wondering if you have enough coverage or if you want to know what you can do to change your premium, San Marcos Insurance Group can help. We walk you through point-by-point, so there’s no confusion. If you’re in Chandler, AZ and looking for someone you can trust, give us a call to learn how your policy can start working for you.