Do you need to have an auto insurance plan in Arizona?

The people that live in the Oro Valley, AZ area will continue to find that owning a car is a good option. With a vehicle, you are going to have an easier time getting around the city and completing your daily tasks. If you do decide to purchase a car when you are here, you will want to make sure that you get the right insurance protection for it. An auto insurance plan in this part of the state is needed for a few reasons.

Comply with State Laws

A reason people need to have auto insurance coverage is so they can comply with all state laws. Driving a car is a big responsibility and there are some tasks that all people need to take care of. For many, this includes requiring that you have an auto insurance plan in place. If you do not at least have liability insurance, you will be in violation of state laws in Arizona. 

Meet Lender Standards

You also may need to carry auto insurance to stay in good standing with your mortgage lender. If you have a car loan outstanding, you will likely be required to carry collision and comprehensive insurance. If you do not maintain this protection, you could be in violation of your auto loan agreement 

People that are in the Oro Valley, AZ area will likely want to own a vehicle. If you do own a vehicle here, it would be wise to call Old Pueblo Insurance to discuss your auto insurance needs. There are various factors to consider when selecting an auto insurance plan and Old Pueblo Insurance can offer support to ensure you choose the best policy for your situation. This can help ensure your vehicle remains properly covered at all times. 

Three things to be aware of regarding comprehensive auto insurance coverage

Having adequate auto insurance coverage is important because it keeps you out of legal and financial problems as a driver. You need to understand your various auto insurance options to find the right option for your needs. At Old Pueblo Insurance, we offer auto insurance coverage to those residing in Oro Valley, AZ.

Comprehensive auto insurance coverage is one type of coverage you can consider. The following are three things to be aware of regarding comprehensive auto insurance coverage.

Comprehensive coverage gives you ultimate insurance coverage for your vehicle.

There are a lot of limits to both liability and collision auto insurance coverage. If you want to be covered for additional expenses that might result from your driving, you can invest in comprehensive auto insurance coverage. Comprehensive coverage can give you greater peace of mind. 

Comprehensive insurance covers damage from fire, falling objects, vandalism or theft.

Before you purchase comprehensive insurance coverage, you should probably be aware of exactly what it will cover for you.

Basically, comprehensive auto insurance covers any type of damage that other types of car insurance won’t cover. This includes damage caused by fire, falling objects, vandalism, or theft. 

Comprehensive insurance does not refer to coverage for regular accident damage to a vehicle. 

You need to purchase collision insurance in addition to comprehensive insurance if you want to be covered for accident damages. Collision coverage covers the costs of damages to your own vehicle in an accident, while liability coverage covers damage you cause to another vehicle or the property of another party. 

Make sure you purchase both types of coverage to protect yourself against damages to your own vehicle. 

We can provide you with more helpful information about auto insurance coverage at Old Pueblo Insurance. Contact us to explore your auto insurance options in Oro Valley, AZ. 

Can I Appeal an Auto Insurance Claim?

When it comes to an auto accident, it’s fairly common for two parties to see the same event in two completely different lights. If you live in Oro Valley, AZ and you’re unhappy with the result of your auto insurance claim, you have the option to appeal it. Insurance companies recognize that the people making the decisions are not perfect, which is why they allow the situation to be revisited when it makes sense. Old Pueblo Insurance can give you a better idea of what you can expect from the whole process. 

Read Over the Explanation 

As easy as it is to assume the insurance company made a mistake, you will want to understand their position first. They’ll let you know why the claim was denied or settled out for a certain amount. Maybe your car insurance policy will only cover certain types of collisions. For example, let’s say you tell your car insurance company that you only use your car for personal use. However, one day your boss asks you to pick something up from the store and you get into an accident.

When your auto insurance company investigates, they find that you did not disclose that you used your car for business and thus reject the claim. This is something of a gray area that you could almost certainly appeal. It just helps to know exactly what your policy states and how exactly you use your car before you decide to fight the rejection.

There are a variety of reasons why your claim might be denied. If you have questions about what you can do, call Old Pueblo Insurance today. We make it possible for the people of Oro Valley, AZ to get the advice and guidance they need at a critical time. 

What You Should Know Before Adding Your Teen To Your Insurance

When your child comes of driving age it can be both exciting and nerve-racking. Here are a few things you should know before you add your teen to your car insurance.

Your Rates Will Go Up

There isn’t really any getting around this. A teen driver is a bigger risk than an older driver. For this reason, your rates will go up some when you first add your teen. Many families find it a good idea to require the teen to help toward this expense with afterschool work. This is a great way to offset the new expense while also teaching your child the cost of driving.

There are Discounts

Many insurance companies will offer families discounts for things such as good grades. This is a great incentive to help your child do their best in school. Setting up requirements that grades stay at a certain place in order to earn the privilege of driving will benefit you and your child in several ways. Grades improve, insurance is cheaper and the child learns that something is required of them in order to have the privilege of driving. 

Driver’s Ed Helps

You can also get discounts by enrolling your child in a driver’s ed program. This benefits you and your child in several ways. First, your child will get a systematic education on the best driving techniques. This is often better than mom and dad simply instructing them their self. Secondly, your child will be a safer driver and third, you can save some money on your car insurance costs. 

Set Boundaries and Stick to Them

Teens need to understand that driving is a privilege that they can lose if they are not contributing and following the rules. Use their new driving privileges as leverage to enforce these rules and expectations. 

If you would like to learn more about adding your teen to your insurance policy contact Old Pueblo Insurance serving Oro Valley, AZ

Replacement Cost Vs. Market Value

What does this terminology even mean?

As a car owner in Oro Valley, AZ, it is essential to understand the rather insurance-esque terms “replacement cost” and “market value” in order to be educated if you ever need to file an insurance claim.

The Replacement cost is in reference to the amount of money that it would take to completely rebuild or replace your car should disaster strike, be it a vehicular accident, the result of a storm, or even if it is a freak-mishap (a tree falling on the hood of your car while it innocently sits in the driveway). This figure is determined based on current prices for the labor, material, taxes, fees, and plans. Speak to an agent at Old Pueblo Insurance to discuss this, as well as the following.

Market value refers to how much your car would sell for in its current state: wear and tear and all. This type of value can be very hard to determine without the aid of an expert, as it changes according to the ebbs and flows of the car market, in addition to the car’s attributes on the inside as well as the outside. To get a round-about idea of the value of your car, you can always compare it to others of the same make, model, and year, this is not always the precise figure though. For a more accurate appraisal, a professional should be contacted. 

Contact an agent at Old Pueblo Insurance, serving the needs of those in the Oro Valley, AZ area, to discuss these terms in more detail, and as they pertain to you, in particular.

Should You Buy New or Used to Save on Auto Insurance?

When buying a vehicle, there are different elements to keep in mind when it comes to how much you’ll eventually pay for auto insurance. Some of the factors include your current driving record, if you have any points on your license, how long you’ve been driving and so on. Of course, a good deal of the insurance costs revolves around the ability to purchase and obtain replacement parts and the age of the vehicle. At Old Pueblo Insurance, we want to help you save money on auto insurance, whether you live in Oro Valley, AZ or the greater Tucson area. 

Used Is Typically Less Expensive to Insure

Generally speaking, a used vehicle is less expensive to insure than a new vehicle. There is the occasional exception, but newer vehicles have more expensive tech in place. It is also harder to find used replacement parts, which means all repairs must utilize new parts. Buying a vehicle that is four or five years old can save a good amount on the sticker price and your insurance cost. 

Rare Models

Of course, there are rare trim models. Perhaps you purchase a Mustang Boss edition or another vehicle model with limited production. In this case, the limited production vehicle likely will cost more than a brand new vehicle. This comes down to the cost of replacement parts. With fewer models, there are fewer available parts. Manufacturers of the parts will charge more as well, which is what forces the insurance up. 

It doesn’t matter if you live in Oro Valley, AZ, Tucson or further out, Old Pueblo Insurance is here to help you save money on your auto insurance. If you want an affordable vehicle that also costs less in insurance, consider purchasing a used vehicle.