By Anonymous October 02, 2014
Ray is very professional, trustworthy, and an all around great guy! I would not trust anyone else with my family's insurance, whether it's our home, auto or life insurance policies. ...read more
By JeremyB12 at Citysearch February 28, 2012
I am a person who reads reviews but never writes them. That is exactly how I found Lisa and her wonderful staff, and they are why I am writing my first review. I can't say enough about how great they all are! My insurance needs were handled with complete excellence. They are so knowledgeable and answered every single question I could possibly think of. You get the best treatment along with the fact that they are all an absolute pleasure to be around! Thank you so much Best treatment for my uess I caved and said I would come in. I am so happy I did. My life has changed since we signed up 2 years ago and Lynn brought to my attention the gaps in my coverage. It was time very well spent. It is comforting having an agency insure me that actually cares! We just refinanced my car with State Farm bank and saved\t\nmoney. I never even knew they did that! ...read more
By AZMIKE at Citysearch December 27, 2011
Started out fair, professional and courteous but a typical insurance agent/company; pulls you in with a reasonable deal than changes the game multiple times all in their favor. I think insurance companies, lawyers and politicians all are licensed to steal. ...read more
Paying for various types of insurance takes a chunk out of your income, but there are plenty of ways to save! The first step is to work with an independent agent, who will evaluate your unique coverage needs and budget limits to find you the best combination of policy and price—hassle- and worry-free. Talk to your agent about these following ways to save even more: Bundle your policies: Buying several policies through a single insurer can qualify you for a multi-policy discount, which offers savings on your whole portfolio as a token of appreciation for giving your business to one insurer. Ask about discounts: The multi-policy discount is the most common one, but many others are available. Ask your agent about senior, good driver, safe home and other discounts that you may qualify for. Your insurer may even offer a loyalty discount after doing business together for several years. Some of these discounts can save you up to 10 percent! Raise your deductible: Generally speaking, the higher your deductible, the lower your monthly premium. Raising your deductible to what you can afford any one time is likely to reduce your monthly expenses. For instance, choose a $500 deductible as opposed to a $250 deductible on your auto insurance. It’s not much more if you do get into an accident, and the monthly savings will add up! Maintain your credit score: Your credit score is just one of the many factors that insurers look at when calculating your premium. Less risky individuals are generally smart with their money, so people with great credit may pay less for insurance. Review your policy: Before automatically renewing your policy for the sake of ease, talk to your agent to see if you can get a better deal with a different insurer. This is also a great time to update your coverage and make any necessary changes. This allows you to get the best possible coverage for the best possible price. We’ll help you save today! Call Insurance Beacon at(623) 584-0071for more information onSurprise, AZ auto insurance. ...read more
By InsuranceBeacon.com June 17, 2014
Arizona State Minimum Auto Insurance Requirements Arizona has a financial responsibility law. It is designed to make sure that any motorist licensed to drive in Arizona has insurance or enough money to pay for damages to others that may be caused by an operator of a motor vehicle. Bodily Injury CoverageYou must buy bodily injury coverage. Bodily injury coverage is a type of liability insurance. It pays for medical expenses, lost wages, and pain and suffering that you cause (for which you are legally responsible or liable) to others due to an automobile accident. Bodily injury coverage does not pay for your medical expenses, lost wages, and pain and suffering from any accident. To pay for your injuries and expenses you may buy medical payments coverage, uninsured motorist coverage, and underinsured motorist coverage. If you do not have any or enough bodily injury coverage and you cause an accident, a court may order you to compensate the people you hurt in theaccident. To decide how much bodily injury coverage you should buy, you must decide (1) how much coverage you can afford to buy and (2) how much of your assets you would be willing to lose if you cause a serious accident. You must buy at least the minimum bodily injury liability limits, but you may buy coverage with higher limits. The minimum required bodily injury coverage is: $15,000 for the injury or death of one person in any one accident. $30,000 for the injury or death of two or more people in any one accident. Property Damage Coverage (split limits) You must buy property damage coverage. Property damage coverage is a type of liability insurance. It pays for the property damage that you cause due to an automobile accident, including damage to buildings or other vehicles or their contents, and damage to fences and road signs. Property damage coverage does not pay for damage to your vehicle. To pay for damages to your vehicle you may buy collision and comprehensive coverage. You must buy at least $10,000 of property damage coverage in Arizona, but you may buy coverage with higher limits. Bodily Injury and Property Damage (combined single limits) An insurer may sell a motor vehicle policy that combines coverages for bodily injury and property damage claims under one liability limit. In Arizona, you must buy at least the minimum liability limit of $40,000 if you buy combined bodily injury and property damage coverage. You may choose to buy coverage with higher limits. (Source) Surprise AZ Home Insurance As everyone's needs are different, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. Why should I buy home insurance? Owners: To protect both your house and personal property. Tenants: To protect your furniture and personal property. Everyone: Protection against liability for accidents that injure other people or damage their property. How much home insurance do I need? Asset Protection: More coverage generally means you will have less to pay out of your own pocket if disaster strikes. You must determine the amount you can financially afford to lose. Depending upon your determination, more insurance may be the answer. You should insure your property to the value you believe your home is worth to obtain maximum protection. You need enough liability coverage to protect yourself from lawsuits resulting from your possible negligence. Lender Requirements: Your lender may require you to cover the house for at least the amount of the mortgage. This may be too little or too much for your individual circumstances. You are not required to purchase insurance from the insurer recommended by your lender. Policy Requirements: Insurers may impose some conditions for replacement cost protection, to include your insuring the property to value. Where can I obtain information about insurance? Information is available to consumers from a number of sources. These sources include any public library, the Arizona State Insurance Department, consumer groups, consumer publications, your insurance agent, or your insurance company. (Source) As an independent agent, we represent many different carriers, and as such can find you the best coverage at the best prices. Contact us today to get a free Surprise AZ insurance quote. ...read more
By InsuranceBeacon.com December 23, 2013
As the cost of owning and operating a vehicle increases with time and the rising gas prices, rising repair costs and other factors, cutting costs wherever possible is especially important. This can be done by monitoring your automobile insurance rates. Situations change and it's important to keep a cl... ...read more
Car collision insurance provides coverage in the event of physical damage to the policyholder’s own auto. The damage must be caused by colliding with another vehicle or inanimate object. It doesn’t matter if you are at fault or not. The insurance company pays for losses that are over the d... ...read more