Auto insurance add-ons to consider

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. 

 

Four steps to choosing your home insurance policy

Homeowners in Chandler, AZ can rely on us at San Marcos Insurance Group when they need to find the right home insurance policy.

When you buy home insurance, there are a few essential steps that you need to go through. Here are four steps to choosing your home insurance policy. 

Identify your home insurance coverage needs.

It would be best to consider the risks you face as a homeowner to determine what types of coverage you need. Ensure your home is insured for its full value, and consider whether you need to add coverage types like outbuilding coverage or flood insurance onto your policy. 

Do some research on home insurance providers in your area

Exploring your options is essential to find high-quality coverage at a competitive price. That’s why you should research insurance companies in your area that offer home insurance coverage to find the best provider for your situation. 

Request quotes on insurance policies for your property

Narrow your search to a few providers from which you want to get policy quotes. You should then request policy quotes from these insurance companies to compare options. 

Evaluate the quotes you get and choose a policy.

Evaluate the quotes you receive and decide which is best for your situation. Remember to consider not only premium costs but also the amount of coverage each policy offers, as well as the customer service and reputation of the insurance provider in question. 

Home insurance coverage gives you peace of mind. Call us at San Marcos Insurance Group to get a quote on a policy that protects the value of your property in Chandler, AZ. 

Questions to ask before choosing your health insurance

Health insurance is vital to your well-being. The policy you choose will be your coverage for a year, and making sure you make the right choice is critical. Knowing the right questions to ask can make all the difference. In Chandler, AZ, our San Marcos Insurance Group agents are here to answer your healthcare questions. 

Is my doctor in the network?

Every carrier has a network of providers that they have contracted with. The prices are agreed to so that you know what services will cost you before you get care. If you have a primary care physician or specialist you prefer to see, you will need to check the list of providers that can be used. Depending on the type of managed care you have, you may still be able to see your doctor, but you may have to pay more per visit.  

What is the yearly deductible?

To be considered a high deductible policy, the year deductible must be at least $1400 for an individual or $2800 for a family. The higher the deductible, the more out-of-pocket you will need to pay, but in most cases, the lower the premium will be. 

What type of managed care is the policy?

There are three basic types of managed care. HMO, POS, and PPO. An HMO is the most restrictive, and the PPO is the least restrictive. A PPO lets you choose an HMO or PPO for each service you receive. 

What is the monthly premium? 

In practical terms, the premium has to be considered, but it is not the first thing to consider when choosing the right health insurance coverage. 

Contact San Marcos Insurance Group in Chandler, AZ when you are ready to discuss your health insurance coverage. Give our office a call today. 

Does Commercial Insurance Protect Your Perishable Inventory?

If you are searching for insurance to cover your business and your perishable inventory, we can help. The San Marcos Insurance Group team provides a range of insurance options to the residents and business owners in and around the Chandler, AZ, area. 

Commercial Insurance Coverage

To protect your business and any potentially perishable inventory, you’ll need to know what insurance coverage offers. Commercial insurance varies from policy to policy. If you have perishable inventory, you’ll need to secure that particular type of coverage.

Perishable inventory insurance is designed to prevent losses associated with risks covered by a policy protecting against spoilage and other hazards.

If you have perishable inventory, speaking with one of our highly knowledgeable insurance agents is the best course of action. They can assist you with learning more about which coverage options meet your needs and offer the most coverage for your inventory. Once you know which policy options are best, we can thoroughly explain the terms and conditions to ensure you are an informed buyer.

We aim to deliver a blanket of protection for each business owner, allowing them to operate confidently, knowing their investments are protected.

Learn More Today 

If you would like to learn more about the policy options we offer for business owners in the Chandler, AZ, area, we encourage you to call or stop by the San Marcos Insurance Group. Our agents are happy to schedule appointments for consultations or answer any questions about the range of insurance options we offer. Don’t risk inventory losses by guessing about your insurance coverage needs. We can help you every step of the way.

Four important goals when you buy auto insurance

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.

Should You Increase Your Home Insurance Coverage?

Home insurance is designed to protect you against unforeseen events that can lead to financial loss. The protection you receive, however, is only as good as the accuracy of your coverage. If it’s been a while since you updated your policy, you may have inaccurate coverage. A visit to your San Marcos Insurance Group agent in Chandler, AZ can help you determine if it’s time to increase your home coverage.

Reasons to Increase Home Insurance Coverage

Standard homeowners’ policies offer dwelling, property, and liability coverage. Over the years, your home and personal property may undergo significant changes that require an update to your insurance policy.

Major home renovations, such as adding a bedroom or backyard patio to your property or remodeling your kitchen, will increase your home’s value. If your current dwelling coverage is less than the increased value of your home, your home won’t be fully protected from a major disaster.

Another factor to consider is the rise in the market value of your property. Your home may be worth much more today than several years ago. If you haven’t updated your policy in a few years, you probably have insufficient dwelling insurance to protect your property thoroughly. Ideally, this coverage should be enough to rebuild your home if it’s totally destroyed in a disaster.

In like manner, your property insurance should be enough to repair or replace personal goods damaged or lost in a disaster. If you’ve acquired costly goods over the last year, you may need to increase your property coverage to protect these assets. Otherwise, you could replace them on your own if they’re stolen, damaged, or lost in a major disaster.

Where to Update Your Policy

For help upgrading your home insurance to obtain up-to-date coverage, contact San Marcos Insurance Group in Chandler, AZ.

What should someone in Chandler think about when getting health insurance?

Anyone living in the Chandler, AZ area must take their personal insurance needs seriously. A form of coverage all people in the area need to have is health insurance. This is important coverage as it ensures you have access to affordable care when you need it. There are various factors someone should think about when shopping for this coverage here. 

Coverage Levels

It is essential to consider the coverage levels provided by each form of coverage. Health insurance coverage varies considerably by plan. Some types of coverage can include medical services, physical therapy, hospitalization, prescription drugs, maternity support, preventive care, mental health service, and many other forms of support. You should ensure the plan you choose has the right amount of coverage. 

Deductibles and Individual Costs

Each health insurance plan will also have a different cost structure. Each plan will have a premium paid monthly to the health insurance provider. You will also have co-pays to see a doctor, receive medication, and obtain other forms of care. Finally, you need to know your deductible, which is the amount of money you need to pay out of pocket before receiving some forms of care. Many plans also have an annual maximum you will be required to spend. Evaluating and comparing these options is very important. 

Health insurance is a form of coverage that everyone in the Chandler, AZ area should consider and take seriously. When you are looking for health coverage here, calling our team with the San Marcos Insurance Group would be beneficial. When you call our professionals at the San Marcos Insurance Group, you can get the support necessary to build a plan that adequately covers you and your dependents. 

Tips For Choosing the Right Commercial Insurance

As a business owner, you have to manage many risks, and one of the most efficient ways to do that is to have business insurance. The right commercial insurance helps protect you as a business owner, your company, employees, and leadership from all types of risks. Finding the right insurance is an essential part of any business management strategy. However, finding it is not easy and could be pretty challenging. In this article, you will find several useful tips to help you make the right choice. 

Tips For Finding the Right Commercial Insurance Plan

  • Get familiar with different types of business insurance. The most common types of business insurance that you want to consider include general liability insurance, commercial property insurance, business interruption insurance, professional liability insurance, and others. Ask an insurance agent to recommend a type of insurance that will address your business needs. 
  • Shop around. Take your time and shop around to find the best insurance plan for your company. The best strategy would be to choose several insurance companies and compare their plans. 
  • Understand your risks. Every industry is different, and the risks are different too. You should evaluate your risks first and purchase an insurance plan to guard against them. 
  • Consider the deductibles. Every insurance plan has a deductible – an amount a policyholder must pay out of pocket before insurance kicks in. It would be best if you understood that the higher your deductible is, the less you pay for your insurance monthly.  

San Marcos Insurance Group – Find Your Perfect Commercial Insurance in Arizona

Do you operate your business in Chandler, AZ, or another nearby town? Are you shopping for commercial insurance that protects your company, employees, and assets? Do not look any further – San Marcos Insurance Group is here to assist you. We will help you find an insurance plan to meet your needs and budget. Please visit our website for more information or give us a call. 

Understanding Auto Insurance Coverage

If you’re driving in Chandler, AZ, knowing about your auto insurance options is important. Each type of policy offers varying levels of protection. San Marcos Insurance Group can help you understand our most popular coverage choices.

  • Liability Coverage: In most states, having this coverage is essential and required by law. It will pay for any damages or injuries you may cause to other people in an accident. Opting for higher coverage limits than the minimum requirements can offer extra protection.
  • Collision and Comprehensive Coverage: Collision coverage will pay for any damage to your car in an accident. Comprehensive coverage pays for damage from theft, vandalism, or bad weather. You can buy both of these coverages separately or together.
  • Uninsured/Underinsured Motorist Coverage: This coverage will protect you if you get into an accident and the other driver either doesn’t have enough insurance to cover your losses or doesn’t have any insurance. Furthermore, it will also provide coverage if the other driver leaves the accident scene.
  • Medical Payments Coverage: Regardless of who caused the accident, this coverage will pay for medical expenses, hospital visits, and funeral costs.
  • Personal Injury Protection (PIP): Regardless of who caused the accident, PIP will cover medical expenses and lost wages. Additionally, it covers expenses related to rehabilitation and other accident-related services.

Understanding the different types of auto insurance coverage available can help you make an informed decision when shopping for car insurance. You can tailor your policy to meet your specific needs and budget. Don’t hesitate to contact San Marcos Insurance Group. We’ll find the best policy that suits your requirements in Chandler AZ. Remember, investing in the right auto insurance coverage can give you peace of mind and protect your finances and assets in an accident.

Tips for Choosing the Right Home Insurance Provider

You want to protect your home, and having the right insurance policy can help you. But home insurance has a lot to consider, including which insurance provider you want to work with. If you’re in the Chandler, AZ area, San Marcos Insurance Group can give you some options and talk you through the choices you’ll need to make. Then you can work with a trusted agent you feel comfortable with and have an insurer who will honor their policy and make things right if you need to make a claim.

Finding the Right Insurance Provider

It’s always good to feel confident in the policy you have from your insurance provider, and when you work with us, you’ll have several providers to choose from. You won’t be limited to just one, making finding the right fit easier.

Look for an insurance provider who has good reviews, answers your questions, and talks to you about options. You want to have the very best policy for your particular needs, and that’s hard to do when you’re guessing what you need or what the policy offers. By working with us, you won’t have to do any of that. We take the guesswork out of that, so you get what you need.

Contact us today if you’re in the Chandler, AZ area. At San Marcos Insurance Group, we know how important it is for you to have a home insurance provider who cares. We’ll answer all your questions and help you choose an insurer who will meet your needs for protecting your house. Then you can enjoy your time there even more, knowing you have quality protection and great peace of mind for the future.