Can I Get A Discount On My Motorcycle Insurance?

Like any other type of insurance, Motorcycle insurance is something that you can shop around and find multiple offers at various rates. Most people have heard of somebody getting a significant drop in their car insurance after switching to a new provider. 

If you have had a traffic violation in the last few years, you will most likely be required to have a higher premium than someone with a clean record. If you want to save even more money on your policy, you could consider decreasing the overall risk of your bike. A common way to do this is to purchase a slip-and-fall insurance endorsement. If living in Oro Valley, AZ, call Old Pueblo Insurance for help.

Saving on Your Motorcycle Insurance 

You can save on your policy if you take a rider education course. Your motorcycle rate will likely increase if you’re over a certain age. Unfortunately, getting a discount on your motorcycle insurance without increasing your risk is impossible. 

Most insurers offer a rate reduction if you install a device in your car that clamps your brakes if you make an unsafe move. Some insurers offer a rate reduction if you take a course on defensive driving. Where you live is another factor. The type of motorcycle you drive matters, too. A sports bike will cost you more to insure than a cruiser. 

Motorcycle insurance premiums can be quite expensive, especially if you have a sports bike. If you want to try to save some money, you can shop around and compare quotes from different insurers. You can also try to get a discount by installing an alarm system on your motorcycle or installing a black box. Many insurers offer discounts if you opt for a no-fault or liability policy. You may be able to get a lower rate if you are over a certain age or meet other eligibility requirements. 

Bottomline

Ensure your motorcycle is well maintained. Poorly maintained motorcycles are riskier to insure and will cost you more in the long run. Each package will be unique depending on the policyholder’s driving history, location, age, and the coverage they select. If you’re stuck, reach out to Old Pueblo Insurance. The company serves Oro Valley, AZ.

Do all recreational vehicles require RV insurance?

Every state requires those who drive a motorhome to insure it, just as they require insurance on an automobile. In Oro Valley, AZ, you’ll need to insure your RV just as you would your auto as long as you drive a Class A, B, or C vehicle.

Old Pueblo Insurance knows that you probably didn’t study the RV classes before purchasing one, so we’ll provide a quick primer.

  • Class A: You drive a Class A RV since it’s an all-in-one unit. You can access its bathroom while it remains in motion. Passengers can use the bathroom or cook while the driver motors along. This class of RV resembles a band’s tour bus, so it equals a Greyhound bus in size or close to it.
  • Class B: You drive a Class B, which resembles a cargo or conversion van. These feature a small bedroom and a bathroom, but they typically provide the least room of any RV you drive.
  • Class C: Although you also drive most Class C RVs, fifth wheels also fall into this category since they fully attach to the truck hauling them, typically covering the truck’s bed. The all-in-one version of a Class C RV features a truck’s front end with a rear that looks like a fifth wheel.

So, what don’t you have to insure separately?

If you haul a pop-up trailer that you cannot travel inside while in motion, you won’t need a policy separate from your auto insurance. You also won’t need a different policy for a storage towable or an open trailer.

Contact Old Pueblo Insurance serving Oro Valley, AZ for more information on motorhome insurance. Let us help you vacation legally in Arizona and other states in your RV.

3 Benefits of Flood Insurance

Floods are one of the most common natural disasters in the US. Unfortunately, your typical home insurance doesn’t cover flood damage. However, this doesn’t mean that your only hope is in federal grants. When you invest in flood insurance from Old Pueblo Insurance in Oro Valley, AZ, your dwelling and the contents are safe from floods.

Still not convinced why you should invest in flood insurance? Consider the benefits below:

Dwelling protection

This is one of the most common reasons most people invest in flood insurance. And rightly so, because flood damage doesn’t come cheap. Just a one-inch rise in the water level may result in damage of about $25,000. However, if you invest in flood insurance, the ensuing repairs after flood damage are your insurer’s headache.

Flood insurance covers permanent installations, debris removal, foundation, electrical, and plumbing systems. If you invest in flood insurance from the National Flood Insurance Program (NFIP), the dwelling coverage is up to $250,000, but this limit can increase if you go the private insurers’ route.

Assets protection

You may not have given it a second thought, but your assets are valuable. And to verify this claim, take a home inventory of your assets. You will notice that you quite own a fortune in your assets! Now, given that you know the value of your assets, the next thing is to think about protecting them against floods by purchasing flood insurance.

Peace of mind

If your mind is not at ease, your overall body system won’t function as it should be. While there are several things you can worry about, floods shouldn’t be one of them. Invest in flood insurance and see a portion of your worries dissipate.

Purchase flood insurance today!

If you want to enjoy peace of mind, invest in flood insurance from Old Pueblo Insurance. Flood insurance won’t prevent floods, but it will help you cope financially with the aftermath.

How Much Boat Insurance Do I Need?

Boats are the stars of the show in summer! They are flashy and fun. However, when involved in an accident, boat repairs can be freaking expensive, and that’s why you need boat insurance. But any boat insurance isn’t insurance. Why do we say this? If you are underinsured, it can be frustrating when filing a claim to find that you are insufficiently covered.

At Old Pueblo Insurance, we usually advise our Oro Valley, AZ clients to have a second look at their boat insurance to ensure they have the right options and the correct amount. But how do you know you have sufficient coverage? Don’t sweat it out. Below is a guide to help you determine the amount of boat insurance adequate for you.

How much liability coverage do I need?

Liability coverage is one of the most critical coverages – it covers you when accused of bodily injury and property damage. Liability coverage also protects you when you cause damages and injuries as your boat docks.

The amount of liability coverage depends on the size of your boat. For small boats, we advise a minimum of $100,000. However, for powerboats, liability coverage can go as high as $500,000. But if you want liability coverage of $1M plus, consider umbrella insurance.

How much collision or comprehensive coverage do I need?

Your collision or comprehensive coverage pays for damages or replacing your boat when it’s stolen or destroyed beyond repair. So, you need coverage that can replace your boat without incurring significant out-of-pocket expenses.

That said, consider the replacement value or agreed value instead of the actual cash value that knocks off the depreciation factor from the pay-out amount.

Boat insurance in Oro Valley, AZ 

Ready to get started with boat insurance? Please get in touch with Old Pueblo Insurance for an affordable quote.

Who Needs Umbrella Insurance in Oro Valley, AZ?

Umbrella insurance is that investment that protects you when your typical insurance coverages run out. Your home, boat, and auto insurance coverages are superb, but they can only do so much when faced with significant liability claims. Luckily, if you have umbrella insurance from Old Pueblo Insurance in Oro Valley, AZ, you can have peace of mind even when your conventional liability coverages are exhausted.

Who needs umbrella insurance?

Is umbrella insurance for everyone like health insurance? Do I really need umbrella insurance? If you are asking one of these questions, keep reading to establish whether you are a candidate for umbrella insurance.

There is a popular misconception that umbrella insurance is only for the rich and famous. The truth is that you need umbrella insurance as long as you earn a livelihood. Because everyone is at risk of being sued in America, you need to invest in umbrella insurance if you have assets or income to protect.

However, some people are at high risk of being sued than others. So, if you belong in the below categories, you need umbrella insurance ASAP. You need umbrella insurance if you:

  • Participate in high-risk hobbies like archery and skiing that can cause injuries to others
  • Chair a charitable organization
  • Own a dangerous pet that can cause injuries to other people
  • Own a rental house
  • Own a home with a swimming pool or trampoline
  • Have a business
  • Own a significant amount of assets (a high net worth individual)
  • Have a strong opinion in the online space
  • Own a gun
  • Coach kid’s or youth sports

Would you like to boost the strength of your insurance coverage in Oro Valley, AZ? If yes, please get in touch with Old Pueblo Insurance for an affordable umbrella insurance policy.

Is It Time to Update Your Motorcycle Insurance?

If you are in Arizona, you are required to purchase motorcycle insurance to operate your two-wheeler legally in the state. As such, many bikers have motorcycle insurance to comply with the law and to protect their bike and themselves when accidents happen. Unfortunately, many motorists don’t take time to update their motorcycle insurance to cover their current needs. As a result, they find themselves:

  • Paying too much for too little coverage
  • Paying for coverages they don’t need
  • Having a difficult time when filing a claim

At Old Pueblo Insurance, we don’t like Oro Valley, AZ residents paying for coverage they don’t need or getting frustrated when looking for compensation. For this reason, we are giving you a guide on when you should review your motorcycle insurance.

If you are selling or buying your bike

Upgrading your bike? Inform your insurer to transfer your old policy to the new one. Similarly, if you sell your bike, inform your insurer to cancel it.

You have someone else riding your bike

Letting your teenager son or daughter ride your two-wheeler? There is nothing wrong with this — all you need to do is inform your insurance to make the necessary adjustments.

Change of address

Moving to a new location? It’s wise you buzz your insurance agent to update your policy. Location is sometimes used to compute your premium, so informing your insurer when you move is essential.

Having completed a riding course

Motorcycle safety courses are recommended for new and seasoned riders alike. Some insurance companies consider such safety classes when determining your premium, so it’s good to keep your insurer in the know when you upgrade your motorcycle safety skills.

Sometimes, knowing when to update your motorcycle insurance can be a challenging task. However, if you have a knowledgeable insurance agent, you don’t have to worry about matters concerning your two-wheeler insurance. To get such a partner in Oro Valley, AZ and its environs, please get in touch with Old Pueblo Insurance.

Arizona Motorcycle Insurance – Are There Special Add-On Services For Motorcycle Insurance?

Motorcycles are one of the most unique driving experiences in the world.  It’s just you and the road and that freedom that you get from having that openness with the wind blowing through your hair.  Having this freedom protected with insurance is a requirement in Arizona as you are legally obligated to have a certain amount of bodily injury/death per person and property damage coverage.  These amounts are extremely small in comparison to real-world requirements, so many riders opt to have additional coverages included in their motorcycle policy.  You can discuss motorcycle coverages and more at Old Pueblo Insurance in Oro Valley, AZ.  Here are some additional coverages that are available for motorcycle enthusiasts.

Uninsured Motorist Coverage

You can get individual coverages (bodily injury, property damage) within this scope of coverage as this type of insurance will cover you under the unlikely scenario of being in an accident with a motorist who doesn’t have insurance.  

Roadside Assistance

This is not “insurance” in the traditional sense as it’s coverage that helps you in case of emergencies.  Can’t start your motorcycle up due to a dead battery?  Flat tire?  Ran out of gas?  Etc.  This assistance will send a tow truck driver out to help you and your bike get back out on the road.  If your bike isn’t serviceable at the roadside, then your motorcycle will be towed to the nearest service department for repair.

Replacement Cost Coverage

This addition works similarly to Gap Insurance in that your coverage will pay for a brand new bike in the scenario of a total loss accident of a motorcycle three years or newer.

Reimbursement For Rental

When your motorcycle is on the shelf getting repaired, you need transportation in the meantime.  Reimbursement coverage will reimburse you for your out-of-pocket expenditures on rental motorcycles.  They can also set up a rental agreement and pay for it before your rental need arises.

To Learn More

These are just some of the additional coverages that you can get as there are plenty more where that came from!  If you’d like to learn more about motorcycle insurance and additional coverages, please contact Old Pueblo Insurance in Oro Valley, AZ today!

What Is Whole Life Insurance?

When you need life insurance, there are different policy types to choose from. Whole life is a popular insurance type that has a number of important advantages. If you want to be covered by life insurance, give us a call today at Old Pueblo Insurance in Oro Valley, AZ.

Insurance for Your Whole Life

When you want to get a life insurance policy, you have the choice between insurance that lasts for a specific amount of time, such as 20 years and insurance that doesn’t expire. Whole life insurance never expires as long as you keep paying for it as agreed. This insurance can’t be canceled because of your age or because of any health problems you may develop if you keep paying the premiums. Not even the insurance company can cancel it on you. Therefore, it lasts your whole life. 

Building Value

With whole insurance, it will begin to build up a cash value after several years of paying the premiums. A small part of the amount of money that the company makes by investing in your premiums adds up into a cash value that your policy will have. Then, you are able to borrow against that amount when needed. Having a financial emergency is frightening enough without having any idea how you will handle it. When your insurance policy has a cash value, you can borrow that amount and then pay it back like any other type of loan. If the insured person dies before the full loan is paid back, that amount is taken from the death benefit to satisfy the loan. 

Get Your Life Insurance

If you want life insurance, whole life is a type that many people appreciate. To get started, give us a call at Old Pueblo Insurance in Oro Valley, AZ to find out more. 

What You Need to Know about Commercial Insurance

Whether you own a small shop or a larger business, any business owner’s needs will differ slightly. That is why commercial insurance quotes can be important to compare to make sure that you know you have the commercial insurance right for you.

Old Pueblo Insurance in Oro Valley, AZ is proud to offer commercial insurance to residents in the following states:

  • Arizona
  • New Mexico
  • Ohio
  • Michigan

Because we work with multiple providers, we can create several customized quotes suitable to your business needs. Because of this, the insurance quote will be comprehensive and cover what your business needs rather than a more generic insurance plan. 

Every Insurance Plan is Different

Whether you open a small shop or a large office, one of the first things you should look at when starting a business is commercial insurance. If your business experiences an emergency on its opening day, your business will not be covered if you did not consider commercial insurance or the appropriate coverage yet.

Therefore, you will need an individualized insurance policy that fits your business model, as well as the area your business is located in. For example, insurance in the state of Arizona will not look the same in New Mexico.  

We understand commercial insurance can be a minefield. At Old Pueblo Insurance, we provide businesses with several quotes from different providers to give you options and confidence that you pick the right insurance. We also have advisors on hand to help you pick between the options given. If you want to get commercial insurance or receive a quote, call Old Pueblo Insurance today.

In All Seasons, You Need Umbrella Insurance

The word “umbrella” in umbrella insurance aptly describes this coverage. Umbrella insurance can save you on a rainy day! When your typical insurance coverages run out, umbrella insurance from Old Pueblo Insurance in Oro Valley, AZ, can bail you out. Need to find out more? Keep scrolling.

Umbrella insurance explained

Umbrella insurance is the extra liability protection that takes over from where your boat, home, or auto insurance leaves off. And since lawsuits don’t have an off-season, you need umbrella insurance to protect you when accused of:

  • Property damage
  • Bodily injury
  • Personal liabilities, including slander, libel, and false arrest

Besides, umbrella insurance helps you cover attorney fees, settlement fees, and other legal-related expenses.

Is umbrella insurance for the wealthy only?

The simple answer is no. Umbrella insurance is suitable for everyone because anyone in America can be sued. And since lawsuits can be expensive, you need umbrella insurance to protect your hard-earned assets. While umbrella insurance fits anyone earning a livelihood, you need it urgently if you are in the below circumstances because the likelihood of lawsuits is high. 

It would help if you had umbrella insurance if you:

  • Own a dangerous pet that can cause injury (for instance, some breeds of dogs)
  • Own a home, boat, or vehicle
  • Participate in high-risk hobbies that can cause injury
  • Chair a charitable organization
  • Coach youth or kids’ sports

Lawsuits can mess with your finances. In fact, one significant case can wipe all your assets. For this reason, you need a friend – umbrella insurance – to protect the assets you have worked so hard to accumulate. 

Buy umbrella insurance today!

Lawsuits are always raining in America. As a result, you need umbrella insurance from Old Pueblo Insurance to cover yourself. If you are looking for this coverage, please contact us. Better yet, you can visit our Oro Valley, AZ offices to speak to one of our agents.