In Chandler, AZ, the agents of San Marcos Insurance Group can help their clients work through the process of determining how much of a deductible they need to make their auto insurance policy affordable. Deductibles can range from $500 to $5000 in some areas. The type of insurance, the book value of the vehicle, and the estimated amount of the monthly premiums all need to be taken into consideration. When you are choosing the level of your deductible, you need to look at how much money you have on hand to make repairs if an accident does occur.

Deductibles are a specific amount of money that you decide to pay before your insurance coverage kicks in. Because it reduces the amount of money your insurance company has to pay out, each level of deductible will reduce your monthly premium by a specific percentage. Some insurance companies offer what is known as a vanishing deductible, which means the amount of the deductible is gradually reduced for each year the insured goes without having an accident or traffic citation. While these seem like a good idea, they do have their drawbacks. Before choosing a deductible amount, the insured should carefully consider how much money they are willing to pay out before making a claim.

Residents who live in communities and neighborhoods near Chandler, AZ can talk to the agents of San Marcos Insurance Group if they have questions about their auto insurance deductibles and how to keep them under control. The agents can help you determine what type of deductible will work best for your particular situation and will help you build a policy that suits your exact needs. Call the agents of San Marcos Insurance Group today and let them guide you through the deductible process.

In Chandler, AZ, agents of the San Marcos Insurance Group can help to identify potential problems within a policy that may pose a problem for drivers who may not have fully read it in its entirety before signing it. It is important to read through a policy completely before agreeing to it. Policies often contain a variety of stipulations that will allow a driver to be dropped if certain things occur. Many of these events may be out of their control. Take a few minutes and review your policy so you understand what is and is not covered. The following list contains a few reasons why policies get canceled.

• Too many tickets in a one-year period of time
• Too many accidents in a one-year period of time (Even if the accident is not your fault, it can work against you.)
• Too many late payments or cancellation notices
• Not maintaining a valid driver’s license
• Excessive, non-accident related claims

At the San Marcos Insurance Group, residents of Chandler, AZ can find the answers they need when it comes to professional service and quality auto insurance. Agents at the office are able to answer questions and put the right insurance policy with the right person at an affordable rate. Every state requires its residents to carry at least a minimum amount of car insurance. Don’t let your insurance lapse due to an oversight or because you didn’t realize you were not meeting the requirements of the policy. Call our office today and get the answers you need to remain insured and financially protected from loss. A few minutes with one of our agents will get you back on track.