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.

Auto insurance in America dates back to the late 19^th century and has become a billion-dollar industry. Since insurance has been around for so long, many myths have cropped up over the years, and they can cloud your judgment when shopping for a policy. For that reason, you need the help of a knowledgeable agent like San Marcos Insurance Group of Chandler, AZ to help you separate facts from myths.

Myth#1: Color affects the insurance premium

You will hear this many times — the red color attracts high insurance rates. Perhaps it’s because of the notion that owners of red cars are likely to drive fast, hence being categorized as risky drivers. None of this is true because the color isn’t one of the factors that determine your insurance rate. Your insurance doesn’t even know the color of your car.

Myth#2: Comprehensive coverage covers all risks

Perhaps because of its name, many think comprehensive coverage offers protection against all risks. The reality is that your comprehensive coverage only covers your car against non-collision risks only. This means comprehensive coverage protects your vehicle against risks like fire, theft, falling objects, and natural disasters. However, collision risks aren’t part of this coverage. Plus, you have to buy policies like liability coverage and PIP to cover yourself against other risks.

Myth#3: Auto insurance covers theft of personal items in your car

Unless you have an add-on, your standard car insurance policy won’t cover theft or damage of personal items in your car. You must rely on your home or renters insurance policy for such incidents.

Don’t fall into the trap of car insurance myths. Instead, consult with an insurance agent like San Marcos Insurance Group to ensure you have the right information to make an informed decision.

When you purchase a new car, the first thing on your mind is likely to get auto insurance. But unfortunately, there are many different auto insurance policies out there, and each one has its strengths and weaknesses. Here are some tips to help you choose the right auto insurance policy for your needs.

1. Determine What Type of Coverage You Need

The first step in choosing the right auto insurance policy is determining what coverage you need. Here are some of the standard policies you can purchase.

Liability insurance covers damage to other people or property if you are at fault for an accident. It is the most basic type of auto insurance and is required by law in most states.

Collision insurance covers damage to your vehicle in the event of an accident. It is not required by law, but lenders often require it if you have a loan or lease on your car.

Comprehensive insurance covers damage to your vehicle from events other than accidents, such as fire, theft, or vandalism. This type of coverage is not required by law, but it can give you peace of mind knowing that your vehicle is covered against these perils.

2. Decide How Much Coverage You Need

Once you know what types of coverage you need, you need to decide how much coverage to buy. The amount of coverage you need will depend on several factors, including the value of your vehicle, your driving history, and your financial situation.

3. Deducible

Your deducible is the amount of money you will have to pay out-of-pocket before your insurance company starts to pay for a covered claim. A higher deducible means a lower premium, but it also means more financial responsibility if you have an accident.

Get Auto Insurance in Chandler, AZ 

Now that you know what to look for in an auto insurance policy, it’s time to start shopping around. San Marcos Insurance Group can help you find the right policy for your needs and budget. Give us a call today to learn more or to request a quote.

 

Your vehicle can handle a lot of things, such as extreme temperatures. Unfortunately, the items that you leave inside of your vehicle aren’t so lucky. You know you shouldn’t keep food in the car, but you may not be as familiar with some of the less-obvious items. For Chandler, AZ car owners, San Marcos Insurance Group shares a few things you shouldn’t keep in your vehicle, especially when the temperatures are excruciating outside.

What You Shouldn’t Keep in Your Vehicle

Children and Pets

For some, this one may be obvious. For others, well, it may not be. Children and pets should never be left in a vehicle. During the summer, it only takes an hour or less for the car’s cabin to spike about 50 degrees higher than the temperature outside. This type of heat is fatal. During the winter, there is a risk of hypothermia, especially for children, pets, and the elderly.

Electronics

Any kind of electronic, from smartphones to laptops, cannot withstand extreme temperatures. These kinds of temperatures can reduce battery life and damage the processors. Plus, it makes your vehicle more vulnerable to vandalism and theft, especially if those electronics are visible from outside.

Sunscreen and Medications

Extreme temperatures can cause the active ingredients in medications and sunscreen to break down. Because of this, these items can become ineffective. Therefore, for your health and safety, keep any medications and sunscreen inside your home.

Plastic Water Bottles

You may not give much thought to your plastic water bottles, but as the temperatures rise, chemicals from the plastic can seep into the water in the bottles. While it is true that most bottles are BPA-free now, it is important to keep plastic bottles cool, as there are other potentially harmful chemicals that could be present. Ideally, you should opt for a refillable bottle.

What You Should Keep in Your Vehicle

Proof of Auto Insurance

The one thing you should always keep in your vehicle is proof of your auto insurance. This is to ensure you can provide it to the authorities if you are pulled over and avoid a ticket and to share with another motorist if you’re in an accident.

If you are currently in need of auto insurance coverage in Chandler, AZ, reach out to San Marcos Insurance Group.

When you have a car in Arizona, you will carry the minimum requirements for auto insurance which is your bodily injury liability and your property liability. You may also be considering collision auto insurance. 

At San Marcos Insurance Group, we want Chandler, AZ residents to be covered in auto insurance as thoroughly as possible. Collision insurance is a good idea. We can help you to get the best coverage for your needs.

Learn more about what collision insurance covers here.

What Collision Insurance Covers

When you have a vehicle and are in an accident, collision insurance will cover the cost to replace or repair your vehicle if it is damaged. If you have a deductible on your policy, you will pay that amount first when you file a claim.

A deductible is the amount that you agree to pay to the insurance company before they will cover your damages. This is an amount set at the time you purchase your coverage.

After that, your collision insurance typically does cover the rest.

This coverage can be used when you collide with another car, an object, or are even in a single-car accident where you are the only vehicle. 

You can file a claim for the damages to your vehicle, and for your medical costs as well. 

If there is another party that is liable for the accident, they will cover some of these costs as well. Your insurance company will work with you to determine how much you will be responsible for and cover your damages accordingly.

Get a Quote

You may think you don’t need collision insurance, but you might think of it when it is too late. Get it before then. At San Marcos Insurance Group, we want Chandler, AZ drivers to be protected on the roads. Call us for a quote to update your Arizona auto insurance policy today.

Auto insurance is crucial in protecting your asset, giving you liability protection, and paying for medical expenses following an accident. While auto insurance is a necessity, do you know how much auto insurance you should buy? Determining the amount of auto insurance you need can be challenging, but San Marcos Insurance Group of Chandler, AZ will help you determine the amount of car insurance adequate for you.

Meet your state requirements

The minimum amount of car insurance you should hold is the one required by your state. For instance, Arizona requires drivers to purchase property damage liability (PDL) coverage of $15,000 and bodily injury liability of $25,000 per person. Of course, these amounts differ from state to state – so be sure to check your state’s requirements to avoid non-compliance penalties.

How much liability insurance should I have?

While meeting the state minimum requirements is excellent, most motorists consider higher limits because accidents will likely cost more than the state-required coverages. We usually recommend our clients purchase liability coverage of above 100/300/100. This plan should cover you adequately, given the rising healthcare costs and that vehicle repair costs can quickly stack up.

If you own significant assets, we advise you to opt for umbrella insurance to protect your belongings when you cause a severe accident.

How much collision and comprehensive coverage do I need?

Ideally, you should cover your vehicle with the assumption of a worst-case scenario. If your car were totaled today, is your auto insurance adequate to replace your vehicle? Of course, as you ponder about this, you need to consider deductibles – the higher your deductible, the lower your premiums. 

With this in mind, purchase physical damage coverages that you are comfortable with, putting deductibles in mind. 

Learn more about car insurance

Still unsure about how much auto insurance you need? No problem. Would you please not hesitate to contact San Marcos Insurance Group for more information? Better yet, you can pop in our Chandler, AZ offices to chat with one of our agents. 

Your auto insurance policy can be confusing when you start to read through it. Often terms are used and you may have heard them before, but you are not quite clear on what they mean. You can gain a lot of knowledge by discussing the details of your policy with a qualified insurance agent.

Understanding the key terms in your policy will help you get the most out of your insurance. The agents at San Marcos Insurance Group in Chandler, AZ are experienced professionals that know the key terms to help our clients understand the ins and outs of their auto insurance policies

Key Auto Insurance Terms

There are many auto insurance terms and some are not crucial to understand. Here are some common key terms that are used in policies often.

• Premium – This term is heard a lot and simply means the amount paid to an insurance company so they will pay claims for your specific coverage.
• Collision coverage – If your vehicle is damaged after hitting another car or object, collision is the part of the policy that protects you.
• Bodily injury liability – This is what covers you if you are the cause of an accident where affected parties are killed or injured.
• No-fault insurance – Regardless of if you caused an accident or not, no-fault covers medical expenses.
• Personal injury – Protection in case of injury if you are in an accident.
• Deductible – Out of pocket money spent before your insurance company covers the remainder of a claim.
• Uninsured motorist – If another driver hits you and they don’t have insurance, this type of coverage protects you.

Professional Insurance Agents in Chandler, AZ

Contact us at San Marcos Insurance Group in Chandler, AZ to speak with one of our agents about your auto insurance needs. We are happy to help you understand the terms of your insurance coverage, so you know exactly what is in your policy.